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Financial Review E-business remains key to non-interest income and supports earnings from non- capital consuming sources Electronic Banking Revenue N'billion CAGR 17% 56.8 55.1 48.7 48.0 23.7% 26.7% +46.6% 17.9 29.0% 23.5% 32.1% 12.2 34.0 15.1% 24.2% 15.9% 14.5% 32.2% 27.2% 32.7% 25.0 30.6% 24.9% 14.8% 15.9% 17.7% 31.5% 5.0% 39.9% 19.1% 13.6% 10.4% 7.4% 10.1% 58.4% 0.4% 10.2% 12.4% 11.5% 0.0% 23.5% 8.9% 26.3% 23.3% 22.4% 25.0% 15.5% 23.4% 1.2% 2017 2018 2019 2020 2021 2022 Q1 2022 Q1 2023 (1) Others include ATM, POS, SMS & Web USSD Mobile & Internet Banking Agent Banking Cards Other (1) 15

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