Investor Presentaiton

Financial Review Revenue supported by improved non-interest income contribution • Gross earnings declined 1.7% y-o-y to #291.2bn, but improved 13.2% in Q2 21 from Q1 21 Significant shift in earnings mix as contribution from Non-interest income continues to increase Quarterly improvement also supported by increase in interest income and elongated tenor of fixed income instruments Focus is on driving asset creation from a strong pipeline and optimizing pricing (1) Non-interest income includes fees and commission expense Gross Earnings N'bn Gross Earnings Mix Interest Income Mix 17.9% 27.0% 35.0% 40.7% 296.4 291.2 80.3% 70.0% 65.0% 55.3% H1 20 H1 21 H1 20 H1 21 H1 20 I Non-interest income (1) Interest Income H1 21 Investment securities Loans and advances 13

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