First HoldCo Community

Key Highlights (Group Level): Item H1 2025 (₦’million) H1 2024 (₦’million) Change Interest Income 1,437,409 947,694 +52% Interest Expense (532,582) (432,761) +23% Net Interest Income 904,827 514,933 +76% Impairment Charges (185,397) (92,986) +99% Net Interest After Impairment 719,430 421,947 +70% Net Fee & Commission Income 138,697 110,836 +25% FX Gains/(Loss) 73,543 (165,046) Reversed loss Net Gains FVTPL (53,668) 432,201 Downturn Operating Profit 355,976 411,965 -14% Profit Before Tax 356,149 411,990 -14% Profit After Tax (Cont.) 283,770 360,265 -21% Profit After Tax (Total) 289,772 365,300 -21% EPS (Naira) 10.05 6.84 +47% YoY EPS Q2 HoldCo (Standalone) Performance: H1 2025 profit rose 500% YoY from ₦1.43bn to ₦8.55bn. Interest income grew by 219% , from ₦2.55bn to ₦8.15bn.