Investor Presentaiton

Financial Review Revenue growth driven by increase in interest income; supported by margin optimisation Gross Earnings N'billion 259.5 805.1 757.3 180.5 Gross Earnings Mix Interest Income Mix 21.9% 21.6% 27.2% 27.9% 20.6% 28.2% 35.9% 48.1% 78.1% 78.4% 69.2% 73.4% 72.8% 68.6% 60.6% 48.7% FY 21 FY 22 Q1 22 Q1 23 FY 21 FY 22 Q1 22 Q1 23 FY 21 FY 22 Non - Interest Income (1) Interest Income ■Loans and advances Q1 22 Q1 23 Investment securities Group Revenue by Segment Segment Revenue 28.1% 24.9% (2) 0.6% 22.9% 8.0% 6.6% 6.1% 2.7% 0.1% 0.1% ■Corporate Banking & Investment Banking ■Electronic banking income Retail Banking Treasury Services Public Sector Asset Management Insurance Brokerage ■Equity & Brokerage (1) Non-interest income includes fees and commission expense (2) Note: Data labels correspond to respective legend Commercial Banking Trusteeship 13

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