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Financial Performance Highlights

Overview Operating Environment Financial Review 2021FY Target Actual Vs. Target PBT Loan Growth Deposit Growth H1 2021 2021FY Target N20.6bn N35.2bn Comment On Track 15.8% 10.0% 15.0% On Track 16.5% 15.0% 20.0% On Track Net Interest Margin 5.3% 6.0% - 6.5% Behind Target Cost to Income Ratio 64.8% Below 65.0% On Track - ROAE Post Tax Cost of Risk NPL Ratio Tax Rate 14.2% 12.20% On Track 0.3% 1.0% - 1.2% On Track 2.8% Below 5.0% On Track 6.4% - 10.0% 15.0% N/A 25-40% (of PAT) Proposed Dividends Please note: final dividend per share is subject to regulatory and shareholders' approval. On Track N/A 28

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