Investor Presentaiton

Financial Review Asset quality improvements supporting the drive to enhance balance sheet strength First Bank of Nigeria NPL per Sector NPL Ratio H1 21 12.9% Agriculture General Commerce 17.9% 14.2% 16.9% General FY 20 2.7% 26.0% Oil & Gas upstream 24.4% 22.8% 3.4% 4.1% Real Estate 4.4% 13.1% Oil & Gas services 5.7% 5.7% 13.4% Manufacturing 9.9% 7.7% 7.2% 5.9% 6.6% 6.1% 5.8% Oil & Gas downstream FY 16 FY 17 FY 18 FY 19 FY 20 H1 21 6.1% 4.0% 1 Others Cost of Risk 10.4% FY 16 6.4% 4.0% FY 17 FY 18 (1)Others include personal & professional, construction, transportation, power & energy, education, ICT, Health, finance & insurance & arts 2.6% 2.4% FY 19 FY 20 2.0% H1 21 18

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