Digital Banking and Financial Performance Review

Banking and Non-Banking Subsidiary Overview - FY 2022 Loans Total Deposit Millions of Naira Assets PBT FY 2022 FY 2021 % Change Cote D'Ivoire Gambia 104,688 72,334 45% FY 2022 14,317 FY 2021 % Change 15,666 -9% FY 2022 82,495 FY 2021 % Change FY 2022 FY 2021 % Change 56,836 45% 5,995 2,785 115% 82,455 85,857 -4% 11,060 8,213 35% 72,227 73,353 -2% 4,417 3,749 18% Ghana 383,836 370,830 4% 109,044 119,445 -9% 302,957 276,090 10% 10,235 33,842 -70% Liberia 109,692 74,288 48% 50,412 38,258 32% 95,795 61,502 56% 2,947 2,651 11% Sierra Leone 51,101 70,918 -28% 8,718 13,438 -35% 39,440 53,189 -26% 2,676 3,540 -24% Kenya Group 203,169 210,109 -3% 76,128 94,334 -19% 154,995 157,202 -1% 7,352 6,895 7% Tanzania 13,427 10,827 24% 4,413 3,747 18% 9,313 6,618 41% -132 -277 -53% Nigeria 5,208,577 4,357,033 20% 1,557,246 1,475,789 7% 3,551,299 3,236,260 10% 180,628 176,121 3% United Kingdom Habari Pay 350,031 4,071 287,667 22% 34,514 33,813 2% 320,648 267,308 20% -1,612 -1,158 -39% 3,625 12% 945 100% Fund Managers 68,885 100% 68,008 100% 286 100% Pension Managers 12,014 100% 797 100% *Grand Total 6,446,456 5,436,035 18.6% 1,885,853 1,802,702 5% 4,610,343 4,130,333 11.6% 214,154 221,498 -3.3% % Contribution of Subsidiaries to Group Loans Deposits PBT West Africa (ex. Nigeria) N193.6 billion Loans N592.9 billion Deposits N26.3 billion 10.3% 12.9% 12.3% PBT East Africa N80.5 billion Loans N164.3 billion Deposits N7.2 billion PBT 4.3% 3.6% 3.4% United Kingdom N34.5 billion Loans N320.6 billion Deposits N1.6 billion 1.8% 7.0% -0.8% PBT Non-Banking Subsidiaries *post elimination entries NO.00 billion N68.0 billion N2.03 billion 1.5% 0.0% Loans Deposits 0.9% PBT 33

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