Zenith Bank Plc: A Compelling Investment Opportunity

#### Market Leadership:
- **Dominant Position**: Zenith Bank is the largest bank in Nigeria by total shareholders' funds (₦2.3 trillion) and by Tier-1 capital (₦1.8 trillion) as of 2023.

- **Extensive Network**: With 447 branches and over 2,100 ATMs across Nigeria and other countries, the bank has a vast reach, serving over 33 million customers.

- **International Presence**: Growing footprint in the West African region and a strong international network.

#### Financial Performance:
- **Strong Earnings and Dividends**:
- Earnings per share (EPS) grew to ₦21.55 in 2023 from ₦7.14 in 2022.
- Consistent dividend growth, with a payment of ₦4.00 per share in 2023, the highest in the Nigerian banking industry.

- **Robust Revenue Growth**:
- Gross earnings increased from ₦945.6 billion in 2022 to ₦2,131.8 billion in 2023.
- Diversified income streams, with 53.7% from net interest income and 46.3% from non-interest revenue in 2023.

- **Profitability**:
- Profit before tax in 2023 was ₦796 billion, the highest in the Nigerian banking sector.
- Return on average equity (ROAE) was 36.6% in 2023, a significant increase from 16.8% in 2022.

#### Strategic Investments:
- **Technology and Innovation**: Significant investments in technology to enhance core banking systems, efficiency, and scalability. This supports wider banking access through cost-effective digital channels.

- **Risk Management**:
- Maintained a low non-performing loan (NPL) ratio of 4.4% in 2023.
- Strong capital adequacy ratio of 21.7% and a high liquidity ratio of 71.0% for the Group in 2023.
- Comprehensive risk management framework ensuring asset quality and financial stability.

#### Growth Prospects:
- **Expanding Presence**: Opportunities for growth in the West African region and through an international network.

- **Sustainable Practices**: Firm commitment to environmental, social, and governance (ESG) practices, integrating community engagement and environmental stewardship.

#### Awards and Recognitions:
- Best Commercial Bank in Nigeria (2023)
- Most Sustainable Bank, Nigeria (2024)
- Best Corporate Governance “Financial Services” Africa (2023)
- Best Bank for Digital Solutions (2023)


### Why Invest in Zenith Bank?

1. **Market Leader**: Zenith Bank is the largest and one of the most recognized banks in Nigeria, with the highest market capitalization and Tier-1 capital.
2. **Financial Strength**: The bank boasts strong financial performance with consistent growth in earnings, dividends, and a diversified income stream.
3. **Technological Edge**: Investments in technology enhance efficiency and scalability, positioning Zenith Bank as a leader in digital banking.
4. **Robust Risk Management**: The bank's prudent risk management strategies ensure a low NPL ratio and strong asset quality.
5. **Sustainability**: Commitment to ESG practices and sustainable growth for long-term value creation.

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By investing in Zenith Bank, you are choosing a financially robust, technologically advanced, and market-leading institution with a solid track record of profitability and growth.

You can reach out to me on segun.gbadamosi@zenithbank.com.
Or 0701fourZero37053.