First Quarter Group Results

Focused Risk Management via Portfolio Diversification Well diversified loan portfolio across sectors supports asset quality. Loans by Sector – Q1 2023 - Flour Mills Finance and Insurance 1.9% 3.2% Government. 13.1% Cement Manufacturing 7.5% Downstream Oil & Gas 4.8% Food and Agro- processing 1.8% Consumer Real Estate and Construction 3.4% Communication 0.8% Transportation 2.9% Power 1.3% Other Loans by Sector - FYE 2022 Finance and Flour Mills 3.4% Insurance. 1.8% Government. 12.9% Manufacturing 15.0% Upstreams Oil & Gas 17.9% Education 0.4% Agriculture 5.0% Cement Manufacturing. 7.6% Downstream. Oil & Gas 4.8% Food and Agro-. processing Credit General 5.0% Commerce 12.3% Beverages and Tobbaco 3.7% Gross Loans - N4.15 Trillion Communication 0.6% Real Estate and/ Construction/ 3.3% Transportation 2.8% Power 1.7% Consumer General. Credit Commerce 5.0% 12.2% 1.6% Other Manufacturing 15.8% Upstreams Oil & Gas 17.8% Education 0.4% LAgriculture 4.8% Beverages and Tobbaco 3.5% Gross Loans - N4.12 Trillion © 2023 ZENITH BANK PLC | First Quarter Group Results Presentation to Investors & Analysts | Page 27

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