Investor Presentaiton

Financial Review Disciplined capital management as strong earnings growth support organic capital accretion . Q1 23 CAR1 at 16.5% including Q1 23 profit (15.6% exc. profit) FirstBank Nigeria CAR (%) 17.4 16.8 16.5 Capital remains adequate for the business • Organic capital generation still in play with solid earnings growth • Capital position to remain in compliance with regulatory guidance Capital continue to be modulated in light of business needs, regulatory requirements and evolving macro environment FY 21 FBNQuest Merchant Bank CAR (%) 19.5 15.6 FY 22 Q1 23 17.4 16.3 FY 21 FY 22 Q1 23 Reg. threshold: 15% Reg. threshold: 0% 21

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