Investor Presentaiton

Appendix Commercial Banking, Merchant Banking and Asset Management Group (FBNQuest) Commercial Banking Group Key financial highlights & performance ratios Income statement Nbillion Merchant Banking and Asset Management Group (FBNQuest) Key financial highlights & performance ratios Statement of Financial Position Income statement FY 22 FY 21 y-o-y Nbillion FY 22 FY 21 y-o-y Nbillion FY 22 FY 21 y-o-y Statement of Financial Position Nbillion FY 22 FY 21 y-o-y Gross earnings Operating income Impairment charge Net interest income Non-interest income Operating expense Profit before tax Loans and 147.0 748.8 716.8 555.7 567.9 (66.7) (123.1) 357.2 225.7 198.5 342.1 (341.9) (313.9) 130.9 4.4% Loans and advances 3,699.5 Gross earnings 53.1 42.5 24.3% 106.5 76.8 38.8% 2,835.2 30.5% advances -2.1% Operating income 30.7 26.5 16.0% Deposits from -45.8% 58.3% -42.0% 8.9% 12.4% Deposits from customers 133.4 119.4 11.7% 6,895.8 5,634.9 22.4% customers Impairment charge (1.9) (0.9) 101.7% Shareholders 63.3 62.2 1.8% Shareholders 903.6 794.3 13.8% fund Total assets 10,089.9 8,542.4 18.1% Operating expense Profit before tax Profit after tax (15.1) (15.5) -2.7% fund Total assets 495.4 387.4 27.9% 13.9 9.8 42.2% 10.2 7.4 37.3% Profit after tax 129.4 117.8 9.8% Return On Average Equity (%) Cost To Income (%) Non-performing Loan Ratio (%) Return On Average Equity (%) Cost To Income (%) Non-performing Loan Ratio (%) 61.5 16.2 15.7 15.2 6.1 58.6 55.3 12.4 4.4 2.0 1.4 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 25 25

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