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Q1 2023: Sustained improvement in performance Financial Review Gross Earnings \'billion Net-Interest Income 'billion Non-Interest Income N'billion Operating Income N'billion Impairment Charge N'billion +43.8% +53.6% +11.8% +33.9% +93.1% 72.3 259.5 111.8 184.2 64.7 180.5 72.8 137.5 8.8 Q1 22 Q1 23 Operating Expense N'billion +20.6% Q1 22 Q1 23 Profit Before Tax N'billion +53.6% Q1 22 Q1 23 Total Assets N'billion +4.9% 16.9 Q1 22 Q1 23 Q1 22 Q1 23 Loans and Advances N'billion Customer Deposit N'billion +4.2% +6.6% 10,578 11,093 56.1 111.2 3,789 3,949 7,124 7,591 92.2 36.5 Q1 22 Q1 23 Q1 22 Q1 23 FY 22 Q1 23 FY 22 Q1 23 FY 22 Q1 23 11

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