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Investor Presentaiton

Key Highlights In the past 5 years, Management has focused on strengthening the organisation, driving stability and renaissance Optimising earnings through efficient Post 2016 H1 2021 balance sheet management and cost management tax ROaE 2.1% 9.9% 2016 NIR to Op. 35.2% Revenue diversification with focus on transaction-led and electronic banking offerings Income Improvement in subsidiary contribution to profitability Intl Subs. PBT Contribution 2016 <0.0% 2016 Radical overhaul of the Group's risk management practices Cost of Risk 10.4% 2016 Improved asset quality and de-risked loan book NPL Ratio 24.4% * International subsidiaries of FirstBank H1 2021 53.3% H1 2021 28.9% H1 2021 2.0% H1 2021 7.2% 6

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