First Quarter Group Results

• Loans & Deposits - By Business Segments Our intense retail drive continues to impact positively on both sides of the balance sheet. • The contribution of retail deposits to total deposits grew from 44.2% to 44.9% YTD Gross Loans Total Deposit Q1 2023 Gross Loans - N4.15 Trillion Commercial & SMEs 19.0% Q1 2023 Total Deposits - N9.14 Trillion Commercial & SMEs Corporates 21.2% Retail 5.0% Public 13.0% FYE 2022 Gross Loans - N4.12 Trillion Commercial & SMES 19.8% Retail 5.0% Public 12.9% Corporates 63.0% Corporates 62.3% 28.2% Retail 44.9% FYE 2022 Total Deposits - N8.98 Trillion Commercial & SMEs 27.1% Retail 44.2% Public 5.7% Corporates 18.2% Public 10.5% © 2023 ZENITH BANK PLC | First Quarter Group Results Presentation to Investors & Analysts | Page 33

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