Investor Presentaiton

Focused Risk Management via Portfolio Diversification . Well diversified loan portfolio across sectors supports asset quality. Loans by Sector - FYE 2021 Finance and Insurance 1.0% Government. 14.5% Cement Manufacturing 5.9% Downstream. Oil & Gas 4.7% Food and Agro- processing Flour Mills Loans by Sector - FYE 2020 2.8% Communication 1.7% Finance and Flour Mills 3.7% Communication 4.1% Transportation Real Estate and Construction 3.1% Transportation 5.0% Insurance 0.4% Real Estate and Construction 4.3% 5.8% Power 2.5% Power 1.9% Government. 14.8% Other Manufacturing 11.0% Cement Manufacturing Upstreams Oil & Gas 18.3% 4.1% Downstream Oil & Gas 6.9% Other Manufacturing 9.8% Upstreams Oil & Gas 18.2% 2.3% Consumer. Credit 5.7% 13.7% General Commerce and Tobbaco 1.5% Beverages Agriculture 6.5% Education 0.3% Food and Agro- processing 2.1% Consumer Credit 4.2% General Commerce 10.9% Beverages and Tobbaco 1.6% Education 0.4% Agriculture 6.2% Gross Loans - N3.50 Trillion Gross Loans - 2.92 Trillion © 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 28

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