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Resilient performance Gross Earnings N'bn Net-Interest Income N'bn Non-Interest Income N'bn Operating Income 'bn -1.7% -20.9% +48.1% +5.3% Financial Review Impairment Charge N'bn -20.0% 131.3 118.7 296.4 291.2 211.4 222.5 30.7 103.8 24.5 80.1 H1 20 H1 21 Operating Expense N'bn +9.6% H1 20 H1 21 Profit Before Tax N'bn +9.2% H1 20 H1 21 Total Assets N'bn +4.4% H1 20 H1 21 H1 20 H1 21 Loans and Advances N'bn Customer Deposit N'bn +14.5% +3.7% 7,689 152.6 45.2 8,024 139.2 41.4 2,538 4,895 5,078 2,217 H1 20 H1 21 H1 20 H1 21 Profit after tax including discontinued operations is #38.0 (H1 20, 49.5). The discontinued operation in H1 20 was FBN Insurance FY 20 H1 21 FY 20 H1 21 FY 20 H1 21 11

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