PitchSend

Financial Performance Highlights

Overview Operating Environment Financial Review Guidance Deepening strong growth in NII and customer reach through Digital Banking Mobile/Online Customers # 10.9% YTD > 3.3m+ 3,048 Debit Cardholders # 8.8% YTD >2.5m+ 832 ATM # 0.4% YTD POS # > 33.9k NIP Value (N'bn) 92.2% 5,859 Mkt Share H1 2020 H1 2021 Mobile/Online Transactions #'Mn 40.7 5% 75.0% 71.2 % of 2020FY -79% E-Banking Transaction #'Mn 75.4 52.8% 115.2 % of 2020FY -71% H1 2020 H1 2021 2020FY: 161m+ % E-Banking Income to NIR 20.4% 140.7% YTD H1 2020 H1 2021 2020FY: 90m+ NIR excludes gains/(losses) from financial instruments 80

View entire presentation