Investor Presentaiton

NPL by Sectors FYE 2021 Education 0.30% Communication 22.03% General Commerce Transportation 22.75% Agriculture 4.35% FYE 2020 Education 1.27% Oil and Gas 34.18% Communication 24.27% Manufacturing 2.10% Consumer Credit 8.00% 0.55% Power 0.09% Finance & Real Estate and Government Insurance 0.08% 0.56% Construction 5.00% Total NPLs - N146.8 Billion NPL Ratio 4.19% General Commerce Transportation 0.08% Power 0.47% Government 0.11% 24.70% Agriculture 4.44% Oil and Gas 29.87% Consumer Credit 6.27% Manufacturing 3.90% Real Estate and Construction Finance & Insurance 4.36% 0.27% Total NPLs - N125.2 Billion NPL Ratio -4.29% © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 29

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