Investor Presentaiton

Financial Review FY 22: Delivered strong financial performance in a challenging operational and regulatory environment Gross Earnings N'billion Net-Interest Income 'billion Non-Interest Income N'billion Operating Income N'billion Impairment Charge N'billion +6.3% +59.2% -37.6% -0.4% -25.2% 805.1 757.3 91.7 363.2 363.3 592.6 590.4 68.6 228.2 227.2 FY 21 FY 22 FY 21 FY 22 Operating Expense N'billion Profit Before Tax N'billion +9.0% -5.4% FY 21 Total Assets N'billion +18.4% FY 22 FY 21 FY 22 FY 21 FY 22 Loans and Advances N'billion Customer Deposit N'billion +31.5% +21.8% 3,789 10,578 7,124 364.1 8,932 334.2 166.7 2,882 157.7 5,849 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 10 10

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