First Quarter Group Results

Foreign Currency Loans & Restructured Loans Foreign Currency Loans Q1 2023 Cumulative Restructured Loans Q1 2023 USD loans by % to US$ % to Gross US$' m N'm sector loans loans Restructured Loans by sector % to Restructured % to Gross N'm loans loans Oil and gas 1,605 740,146 48.3% 17.9% Oil and gas 575,409 80.3% 13.5% Manufctg 5,014 0.7% 0.3% Manufctg 1,033 476,368 31.0% 11.5% Power 21,823 3.0% 0.4% Power 79 36,431 2.4% 0.9% Public 75,610 10.6% 1.5% Others 609 280,840 18.3% 6.8% Others 39,165 5.4% 1.3% Total US$ loans 3,326 1,533,785 100.0% 37.1% Total restructured loans 717,021 100.0% 17.0% FYE 2022 FYE 2022 USD loans by US$' m N'm sector % to US$ loans % to Gross loans Restructured Loans by sector N'm % to Restructured loans % to Gross loans Oil and gas 1,615 744,857 48.6% 18.1% Oil and gas 578,075 80.7% 14.0% Manufctg 5,401 0.8% 0.4% Manufctg 1,021 470,563 30.8% 11.4% Power 17,421 2.4% 0.1% Power 75 34,792 2.3% 0.8% Public 82,795 11.6% 2.0% Others 33,111 4.6% 0.8% Others 608 280,194 18.3% 6.8% Total restructured loans 716,802 100.0% 17.4% Total US$ loans 3,319 1,530,407 100.0% 37.1% © 2023 ZENITH BANK PLC | First Quarter Group Results Presentation to Investors & Analysts | Page 29

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