Investor Presentaiton

Continued Market Dominance - Strong Liquid Asset Base & Funding Mix High quality balance sheet with diversified funding sources. Liquid Assets FYE 2021 FYE 2020 N'million Debt securities 31.8% Cash Due from other banks Operating accounts with CBN 2021 84,077 73,389 2020 YOY 18.0% Treasury bills 1,764,945 75,802 1,577,875 12% 104,544 -20% -3% Due from Debt securities 26.3% other banks 23.3% Debt securities 1,218,152 Due from other banks Treasury bills Operating accounts with Cash Total 691,244 3,831,807 916,941 33% 810,494 -15% 3,485,656 10% _Cash Treasury bills Operating 3.0% 46.1% CBN 1.9% 2.2% 45.3% Total CRR balance: N1.33 Trillion (2020: N1.41 trillion) accounts with CBN 2.2% Funding Mix FYE 2021 FYE 2020 Debt Securities Equity 14.4% N'million 2021 2020 YOY Debt Securities Issued 0.5% Customers' deposits 6,472,054 5,339,911 21% Issued 0.6% Equity 14.4% On-lending facilities 369,241 Borrowings 8.4% Borrowings 750,469 Debt securities issued On- lending facilities Equity 45,799 1,279,662 4.1% Customers' deposits 72.6% Total 8,917,225 384,573 870,080 -14% 43,177 6% 1,117,473 15% 7,755,214 15% -4% Borrowings 11.2% On-. lending facilities 5.0% Customers' deposits 68.9% © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 25

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