Investor Presentaiton

Evolution of Revenue Base % to Total % to Total Contribution of non- interest income to total revenue increased from 39.6% in FYE 2020 to 44.1% in FYE 2021. N'million Interest income 2021 2020 YoY Revenue Revenue 427,597 55.9% 420,813 60.4% 1.6% Trading income 167,483 21.9% 121,678 17.5% 37.6% Fees and commissions income 132,884 17.4% 103,224 14.8% 28.7% Other operating Income 37,594 4.9% Non Interest Income 337,961 44.1% 50,735 275,637 7.3% -25.9% 39.6% 22.6% Total Revenue 765,558 100.0% 696,450 100.0% 9.9% Share of Total Revenue #745Bn N630Bn N662Bn N696Bn N765Bn 3% 2% 2% 7% 5% 12% 15% 17% 15% 17% 21% 13% 18% 18% 22% 64% 70% 63% 60% 56% 2017 2018 2019 2020 2021 Interest income Trading income Fees & commission income Other operating income © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 17

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