Investor Presentaiton

Reinforced foundations underpin growth trajectory Resilience Quality Diversification Execution . • • FY 22: Gross earnings of #805.1 billion (up 6.3% y-o-y); Q1 23: #259.5.1 billion (up 43.8% y-o-y) • • FY 22: Profit before tax of 157.5 billion (down 5.4% y-o-y); Q1 23: (up 53.6% y-o-y) Demonstrated sustainable income growth from core business NPL ratio at 4.0% (Q1 23), below the 5% regulatory threshold (FY 22: 4.3%; FY 21: 6.1%) Significant improvement in NPL coverage ratio as at Q1 23 to 96.7% (FY 22: 86.6%; FY 21: 62.2%) Increased earnings contribution from international subsidiaries (1) to 30.0% (FY 21: 25.5%) • Compelling bank-led agent banking network in Nigeria with >200K agents (2) Processed on average >253 million electronic banking transactions per month Processed 332 million transactions worth 8.5 trillion in 2022 through FirstMonie Agents 22% market share of transactions processed by the most dominant switching network Discipline Solid earnings growth supporting organic capital generation Maintained our capital management framework of focusing on optimising earnings (1) International subsidiaries of FirstBank (2) As at March 2023 Key Highlights 5

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