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Foreign Currency Loans & Restructured Loans Foreign Currency Loans FYE 2021 Cumulative Restructured Loans FYE 2021 % to % to Restructured % to % to USD loans by sector US$' m N'm US$ loans Gross Oil and gas 1,457 Manufctg 617,918 49.1% loans Others 21.9% 17.6% Oil and gas 49.1% Loans by sector Oil and gas N'm Restructured Gross Public Others loans loans 14.7% 4.0% 531,221 77.8% 15.2% Power Manufctg 5,974 0.9% 776 328,996 26.1% 9.4% Power Power 17,866 0.2% 2.6% 2.6% 0.5% 2.8% Manufac Power 84 35,589 2.8% 1.0% Others 651 276,102 21.9% 7.9% Public Others 100,508 27,099 14.7% 2.9% turing Oil and 4.0% 0.8% 0.9% Total US$ loans 2,968 1,258,604 100.0% 35.9% Manufacturing 26.1% gas Total 77.8% restructured 682,669 loans 100.0% 19.5% FYE 2020 FYE 2020 Restructured % to USD % to % to Public % to Others 5.0% loans by US$' m N'm sector US$ Gross loans loans Oil and Loans by sector N'm Restructured Gross 18.8% loans loans Oil and Others 21.1%. 1,606 642,996 51.4% 22.0% gas 51.4% gas Oil and gas Manufctg 465,403 71.5% 15.9% Power 10,847 1.7% 0.4% 3.0% 88 Manufctg 771 308,562 24.7% 10.6% Power 35,291 2.8% 1.2% Others 659 263,963 21.1% 9.0% Total US$ loans Power 2.8% Power 19,627 3.0% 0.7% Manufac Public 122,595 18.8% 4.2% Oil and turing Others 32,746 5.0% 1.1% Manufacturing 24.7% 1.7% gas 71.5% Total restructured 651,216 100.0% 22.3% 3,124 1,250,812 100.0% 42.8% loans © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 30

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