Fidelity Bank Financial Overview

Deposits Analysis ➤ Total deposits increased by 3.0% YoY to N793.0 billion due to 42.9% and 30.1% increase in demand and savings deposits respectively. ▸ On a QoQ, deposits dropped marginally by 0.3% due to 7.4% decline FCY deposits; LCY deposits increased by 1.3% QoQ in Q4 on account of 8.1% increase in savings. ➤ Low cost deposits now constitute 78.7% of total deposits from 58.2% in 2015FY, which explains the drop in funding cost from 6.2% in 2015FY to 5.8% in 2016FY. Customer Deposits by Type - 2015 FY Time Deposits 41.8% Savings Desposits 15.5% I Customer Deposits N'billion 829.9 769.6 784.5 795.6 793.0 I 25.6 54.4 70.6 53.6 63.0 96.1 48.2 90.5 I I I 715.2 714.0 741.3 645.9 I 1 654.3 2015 FY Q1 2016 H1 2016 9M 2016 2016 FY L ■LCY Deposits ■FCY Deposits ■Devaluation Impact Customer Deposits by Type - 2016 FY Demand Deposits Time Deposit. 21.3% 42.7% 27 Savings Deposit 19.5% Demand Deposit 59.2% www.fidelitybank.ng

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