Access Holdings Plc · NSENG:ACCESSCORP

Access — FY2025 Earnings Presentation

25 slides from Access's earnings presentation, May 2026

Slide 1: Access Holdings Plc 2025 Annual Results
Access Holdings Plc 2025 Annual Results Access Holdings Plc 2025 Annual Results Investors and Analysts Call May 2026 To be the world’s most respected African financial services group ©Access Holdings2026 Access Holdinngs 2024 ©Access Holdings 2026
Slide 2: Outline
Outline Outline 01 The Group 02 2025 Overview 03 2026 Outlook 04 Q and A ©Access Holdings 2026 ©Access Holdings 2026 2
Slide 4: Fact Sheet Access Holdings
Fact Sheet Fact Sheet Access Holdings Banking 97% Investment Management 2% Technology 1% Hydrogen Access ARM Access Insurance Nigeria Rest of Africa International Payment Services Oxygen X Ltd Pensions Ltd Brokers Ltd Ltd 1 Country 15 Countries 5 Countries 1 Country 1 Country 1 Country 1 Country +26
Slide 5: Our Journey
Our Journey Our Journey 1989 2008 2022 ▪ Completed $1.6 billion public ▪ Established a financial Holdco ▪ Access Bank Nigeria Incorporated and offering (largest by a Nigerian structure Access Holdings Plc and obtained commercial banking license company at the time). appointed HW as CEO. 1990 ▪ Estab
Slide 6: Strategic Growth Pillars Driving Value Creation
Strategic Growth Pillars Driving Value Creation Strategic Growth Pillars Driving Value Creation Corporate & Commercial Retail Customer & Non-Banking Financial Geographies Customer Leadership Digital Penetration Services Executing corridor-led Expanding SME and Driving customer Scaling pensions, grow
Slide 8: FY 2025 Financial Results - Earnings
FY 2025 Financial Results - Earnings FY 2025 Financial Results - Earnings Financial Performance Income Statement 2025 2024 % Change Profit After Tax rose to ₦743 billion, up 15.7% YoY, reflecting strong (In Naira Million) revenue growth despite higher impairment charges and margin Gross Earnings 5,5
Slide 9: FY 2025 Financial Results – Balance Sheet
FY 2025 Financial Results – Balance Sheet FY 2025 Financial Results – Balance Sheet Key Highlights Balance Sheet 2025 2024 % Change (In Naira Million) ▪ Total Assets increased to ₦51.6 trillion, up 24.2% YoY, reflecting Total Assets 51,556,280 41,498,015 24.2% continued franchise growth across the b
Slide 10: Operating Companies Financial Performance Snapshot FY 2025
Operating Companies Financial Performance Snapshot FY 2025 Operating Companies Financial Performance Snapshot FY 2025 Access Access Bank Access ARM Hydrogen Oxygen X In Naira Millions Insurance Total Plc Pensions Payments Finance Brokers Gross Earnings 5,385,296 44,400 10,034 10,044 5,300 5,528,761
Slide 12: Access Bank Plc Geographical Performance
Access Bank Plc Geographical Performance Access Bank Plc Geographical Performance In millions of Naira Nigeria Rest of Africa International *Banking Total Gross Earnings 3,487,582 1,415,956 702,653 5,385,296 Net Interest Income 528,424 497,647 361,772 1,387,843 Net Fee & Comm Income 279,575 178,370
Slide 13: Access Bank Plc Geographical Balance Sheet
Access Bank Plc Geographical Balance Sheet Access Bank Plc Geographical Balance Sheet In billion of Naira Nigeria Rest of Africa International *Banking Total Strong balance sheet Total Assets 26,072 10,650 16,692 51,267 growth supported by Net Loans 5,849 3,214 7,481 16,230 diversification beyond Cu
Slide 14: Gross Earnings Highlight
Gross Earnings Highlight Gross earnings grew by 12% to ₦5.4 trillion, with core income remaining dominant at 79% of total earnings. Gross Earnings Highlight Gross earnings grew by 12% to ₦5.4 trillion, with core income remaining dominant at 79% of total earnings. In Naira Billions Composition FY 202
Slide 15: Fees and Commissions Income
Fees and Commissions Income Fees and commissions increased by 48% YoY from ₦479 billion to ₦707 billion, driven by credit-related fees, e-banking fees and other transaction-led income. Fees and Commissions Income Fees and commissions increased by 48% YoY from ₦479 billion to ₦707 billion, driven by
Slide 16: Operating Expenses Overview
Operating Expenses Overview Operating Expenses Overview Operating Expenses Composition Cost to Income Ratio +12% Personnel Expenses 60 56.7% In Naira Billions 1,589 Depreciation & Amortization 51.7% 1,412 50 Other Operating Expense 44.6% 484 362 (30%) (26%) 40 127 108 ▪ Total operating expenses incr
Slide 17: Credit Provisioning and Asset Quality
Credit Provisioning and Asset Quality NPLs remained broadly stable, but higher impairments and cost of risk reflect a more conservative provisioning stance in FY 2025. Credit Provisioning and Asset Quality NPLs remained broadly stable, but higher impairments and cost of risk reflect a more conservat
Slide 18: Gross Loans and Advances to Customers
Gross Loans and Advances to Customers Loan growth driven by Corporate and Retail Banking Gross Loans and Advances to Customers Loan growth driven by Corporate and Retail Banking 2023 2024 2025 +45% Breakdown by Operating Segments In Naira Billions 10,169 Retail YoY growth: +123% 7,030 11% -18% 4,961
Slide 19: Deposit Growth and Funding Mix
Deposit Growth and Funding Mix Deposit Growth and Funding Mix Deposit growth is being driven by CASA and term deposits, strengthening the funding base. Growth by Deposit Type Growth by Customer Segments 2023 2024 2025 +39% 2023 2024 2025 In Naira Billions In Naira Billions 21,714 +86% 43% 15,605 49%
Slide 21: Access Holdings: Capital Adequacy Ratio Progression
Access Holdings: Capital Adequacy Ratio Progression Access Holdings: Capital Adequacy Ratio Progression CAR remained broadly stable at 18.12% in FY 2025, as earnings and capital build-up offset dividend payout and RWA growth 2.4% -7.0% 4.6% -0.4% -0.7% 1.4% 18.0% 18.12% Dec-24 Earnings Earningsfor O
Slide 22: Access Bank Plc: Capital Adequacy Ratio
Access Bank Plc: Capital Adequacy Ratio Access Bank Plc: Capital Adequacy Ratio Capital Adequacy Ratio (CAR) Progression during the year 5.6% -9.1% 4.5% -0.3% -0.8% 0.9% 20.2% 21.0% Dec-24 Earnings Earnings for Other Movements Other Movements 2024 Eligible Tier 2 Other* RWA growth Dec-25 thethe Year
Slide 24: Access Holdings: 2026 Guidance
Access Holdings: 2026 Guidance Access Holdings: 2026 Guidance Core Metrics FY 2025 FY 2026 Guidance Return on Equity 18.6% >20% Return on Assets 1.6% >2.0% Cost of Risk 2.0% <3% NPL Ratio 2.82% <3.5% Cost to Income Ratio 51.7% 50-55% Net Interest Margin 3.8% >5% Capital Adequacy Ratio 18.12% 18-20%

Access Holdings — FY2025 Earnings Presentation on 6ix

Access — FY2025 Earnings Presentation

Slide 1: Access Holdings Plc 2025 Annual Results

Slide 2: Outline

Slide 3: The Group

Slide 4: Fact Sheet Access Holdings

Slide 5: Our Journey

Slide 6: Strategic Growth Pillars Driving Value Creation

Slide 7: 2025 Overview

Slide 8: FY 2025 Financial Results - Earnings

Slide 9: FY 2025 Financial Results – Balance Sheet

Slide 10: Operating Companies Financial Performance Snapshot FY 2025

Slide 11: Banking

Slide 12: Access Bank Plc Geographical Performance

Slide 13: Access Bank Plc Geographical Balance Sheet

Slide 14: Gross Earnings Highlight

Slide 15: Fees and Commissions Income

Slide 16: Operating Expenses Overview

Slide 17: Credit Provisioning and Asset Quality

Slide 18: Gross Loans and Advances to Customers

Slide 19: Deposit Growth and Funding Mix

Slide 20: Capital & Returns

Slide 21: Access Holdings: Capital Adequacy Ratio Progression

Slide 22: Access Bank Plc: Capital Adequacy Ratio

Slide 23: 2026 Outlook

Slide 24: Access Holdings: 2026 Guidance

Slide 25: Thank you.