GTCO Financial Results

East Africa West Africa Banking and Non-Banking Subsidiary Overview - FY 2021 Assets Total Deposit Millions of Naira FY 2021 FY 2020 % Change FY 2021 Loans FY 2020 PBT % Change FY 2021 FY 2020 % Change FY 2021 FY 2020 % Change Cote D'Ivoire Gambia Ghana 72,334 54,403 33% 15,666 15,428 2% 56,837 40,218 41% 2,785 1,203 132% 85,857 66,300 29% 8,213 7,598 8% 73,353 55,451 32% 3,749 2,337 60% 370,830 290,757 28% 119,445 75,322 59% 276,090 213,336 29% 33,842 26,356 28% Liberia 74,288 58,483 27% 38,258 29,444 30% 61,502 43,515 41% 2,651 1,764 50% Sierra Leone 70,918 61,982 14% 13,438 13,314 1% 53,189 48,044 11% 3,540 2,880 23% Kenya Group 210,109 182,681 15% 94,334 80,269 18% 157,202 140,919 12% 6,895 4,010 72% Tanzania 10,827 7,008 54% 3,747 2,321 61% 6,618 3,016 119% -277 -416 33% Nigeria 4,357,033 4,061,544 7% 1,475,789 1,410,617 5% 3,236,260 2,881,699 12% 176,121 205,131 -14% United Kingdom 287,667 258,119 11% 33,813 28,458 19% 267,308 235,938 13% -1,158 -1,617 28% Habari Pay Grand Total 3,625 5,436,035 4,944,653 0 0 0 0 0 0 0 10% 1,802,587 1,662,732 8% 4,130,334 3,610,829 14% 221,498 228,095 -3% % Contribution of Subsidiaries to Group West Africa (excluding Nigeria) East Africa N195.0 billion Loans United Kingdom *post elimination entries Loans Deposits PBT N521.0 billion Deposits N46.6 billion 10.8% 12.6% 21.0% PBT N98.1 billion Loans N163.8 billion Deposits N6.6 billion PBT 5.4% 4.0% 3.0% N33.8 billion Loans N267.3 billion Deposits (N1.16 billion) 1.9% 6.5% PBT (0.5%) 32

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