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Financial Performance Highlights

Overview Operating Environment Financial Review Guidance Improved asset quality as the economy recover led to a drop in impairment charge H1 2021 Impairment Charge Impairment Charge (7,537) 5,604 H1 2021 (2,305) (2,305) (372) H1 2020 Stage 1 Stage 2 Stage 3 Total H1 2020 Impairment Charge (7,841) Total Impairment Allowance by Currency - 70.6% 2020FY H1 2021 VAR % VAR (11,562) (7,841) FCY 16,716 16,023 -693 -4.14% ( 428 ) NGN 50,803 54,665 3,862 7.60% Stage 1 Stage 2 Stage 3 Total TOTAL 67,518 70,688 3,170 4.69% 4,149 21

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