Investor Presentaiton

Guidance for FYE 2022 FYE 2021 Guidance FYE 2021 Achieved FYE 2022 Guidance PBT Effective Tax Rate PAT #270Bn #280Bn N294Bn 13.0% 12.7% 15% #235Bn #245Bn N250Bn ROAE 23.0% 20.4% 20% ROAA 3.2% 2.7% 2.5% NIM 8.0% 6.7% 7.2% Cost of Funds 2.0% 1.5% 2.0% Cost of Risk 2.0% 1.9% 2.0% Cost to Income 48.0% 50.8% 48.0% Deposit Growth 10.0% 21.1% 12.0% Loan Growth 10.0% 20.0% 10.0% Loan to Deposit (Group) 60.0% 54.1% 60.0% Loan to Deposit (Bank) 65.0% 62.6% 65.0% Capital Adequacy 21.0% 22.0% 20.0% Liquidity Ratio 60.0% 71.6% 60.0% NPL NPL Coverage 4.5% 4.2% 4.5% 130.0% 114.4% 120.0% © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 41

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