First Quarter Group Results

N'bn Sustained Assets & Liabilities Match • Customers' deposits grew by 2% in Q1 2023, while gross loans grew by 1%.. Gross Loans Loans & Advances Q1 2023 4,059 4,124 4,147 3,705 3,662 On-lending facilities 17.7% Overdrafts 11.9% FYE 2022 N'bn Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Term loans 70.4% On-lending facilities 16.7% Overdrafts 10.9% Deposits Deposit Mix Q1 2023 FYE 2022 8,976 9,130 8,042 7,254 7,153 Domicilliary 20.8% Domicilliary 19.4% Term Demand 7.7% Term 54.4% 7.0% Savings Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 17.2% Savings 19.1% Term loans 72.3% Demand 54.6% © 2023 ZENITH BANK PLC | First Quarter Group Results Presentation to Investors & Analysts | Page 23

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