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Financial Performance Highlights

Overview Operating Environment Financial Review Guidance Impressive performance amid challenging environment Gross Earnings 6.2% N112.3bn Customer Deposits CAR 16.5% 60bps N1,980.2bn 18.8% Operating Revenue Net Loans & Advances NPL ▲10.2% ▲ 15.8% 100bps N70.2bn N1,535.4bn 2.8% Operating Expenses Total Assets ROAE 9.8% ▲ 12.8% 370bps N42.2bn N3,110.8bn 14.2% PBT: ▲ 72.4% to N20.6bn 7

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