Investor Presentaiton

Driving stability and improving asset quality Post Tax ROaE (%) Financial Review Net Interest Margin (%) Cost of Funds (%) NPL Ratio % NPL Coverage (%) 6.8 14.5 9.9 4.4 H1 20 H1 21 Post Tax ROaA (%) H1 20 H1 21 Cost to Income (%) 2.8 53.3 7.7 48.0 7.2 1.8 H1 20 H1 21 FY 20 H1 21 FY 20 H1 21 Cost of Risk (%) Capital Adequacy Ratio (¹) (%) Liquidity Ratio (2) (%) 34.8 65.8 68.6 3.1 17.0 32.8 1.5 15.7 2.0 1.0 H1 20 H1 21 H1 20 H1 21 (1) CAR is for FirstBank (Nigeria); CAR for the Merchant Banking business is 26.6% for FY 2020 and 21.4% for H1 2021 (2) Liquidity Ratio for FirstBank (Nigeria) H1 20 H1 21 FY 20 H1 21 FY 20 H1 21 12

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