Investor Presentaiton

Performance – By Business Segments • Continuous diversification and improved profitability across core business segments. FY 2021 (A'million) Gross Revenue 2021 Corporates Public Commercial/ SMES Corporates 56.7% Retail Consolidated Public 8.6% Gross revenue Total expenses Profit before tax 434,251 (290,259) 143,992 65,838 (43,424) 22,414 169,432 96,037 (108,406) (43,095) 61,026 52,941 765,558 (485,184) 280,374 Commercial/ SMEs Retail 22.1% 12.5% 2020 FY 2020 (A'million) Public Corporates 8.9% 54.6% Corporates Public Commercial/ SMES Retail Consolidated Gross revenue Total expenses Profit before tax 380,575 (255,542) 125,033 61,705 (43,839) 17,867 166,387 87,783 696,450 (100,631) (40,578) (440,589) 65,756 47,205 Commercial/ SMEs 23.9% 255,861 Retail 12.6% © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 33

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