Investor Presentaiton

Strong Capitalisation • Solid and high-quality capital position provides room for further growth. Liquidity & Capital Adequacy 69.7% 80.9% 71.6% 66.2% 57.3% kkkkl 27.0% 2017 2018 25.0% 22.0% 23.0% 21.0% 2019 2020 2021 Capital Mix Liquidity □ Capital Adequacy 94.7% 93.8% 94.3% 96.1% 92.0% LLLLI 2017 2018 Tier I 2019 Tier II 2020 2021 3.9% Capital and liquidity ratios - well above regulatory requirements of 30% for Liquidity and 15% for Capital Adequacy Ratio. - Capital base predominantly made up of Tier 1 (core capital) which consists of share capital and reserves. © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 31

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