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Financial Performance Highlights

Overview Operating Environment Financial Review Guidance Driving sustainable and improving earnings with non-interest income Gross Earnings N'billion Double-digit growth across key NIR Lines 5% H1 2021 18% 4% 112.3 6.2% 18% 7% 8% % Growth 27.8% 23.2 1.0 34 42% H1 2020 46% 17% 7% 20% 105.8 18.1 0.8 9.7 17 8% 8.3 ■ Others ■Credit Related Fee 1.9 51 Digital Income ■Maint'ne Charge H1 2020 H1 2021 ■FX Income ■Trade 1.2 4.7 49 49 3.2 1.7 1.4 H1 2020 H1 2021 3.3 4.1 22 23 27 Interest Income 87.6 1.7% 89.1 H1 2020 H1 2021 Trade FX Income Maint'ne Charge Non-interest Revenue 18.1 27.8% 23.2 I Digital Income Credit Related Others 14

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