Fidelity Bank Financial Overview

Gross Earnings Analysis Key Highlights (N'm) 2015 FY 2016 FY Total Earnings 146,948 152,021 Interest Income Loans 84,833 Int. Income Liquid Assets 36,325 FX Income 7,578 E-banking Income 7,566 % VAR 5,073 3.5% 92,715 7,882 9.3% 30,438 (5,887) -16.2% 9,434 1,856 24.5% 10,690 3,124 41.3% VAR Total Earnings: 2015 FY Total Earnings: 2016 FY E-banking, 5% Maint. Fee/COT, 1% Others, 6% E-banking, 7% Maint. Fee/COT, 1% Others, 5% FX Income, 5% FX Income 6% Maintenance fee/COT 2,143 Other Income 8,503 1,737 (406) -18.9% 7,007 (1,496) -17.6% Int. Inc. Liquid Assets, 25% Int. Income Loans, 58% Int. Inc. Liquid Assets, 20% Int. Income Loans, 61% Key Highlights (N'm) Total Earnings Interest Income Loans Int. Income Liquid Assets FX Income E-banking Income Maintenance fee/COT Other Income 1,577 1,181 2,073 4,849 1,503 442 346 1,628 1,745 Q1 2016 Q2 2016 Q3 2016 Q4 2016 34,356 36,059 39,931 41,675 E-banking, 4% 20,798 20,923 26,281 24,713 8,406 7,036 7,984 7,012 546 5,635 2,616 1,722 414 535 2,057 Total Earnings: Q3 2016 Total Earnings: Q4 2016 Maint. Fee/COT, 1% Others, 4% E-banking, 4% Maint. Fee/COT, 1% Others, 5% FX Income 5% FX Income, 14% Int. Inc. Liquid Assets, 20% Int. Income Loans, 66% Int. Inc. Liquid Assets, 17% Int. Income Loans, 59% Gross earnings was up by 3.5% YoY to N152.0bn, largely on account of 41.3% (N3.1bn), 24.5% (N1.9bn) and 9.3% (N7.9bn) growth in e-banking income, FX income and interest income on loans respectively. Growth in interest income on loans in Q3 was a combination of increased lending rate and a larger loan book driven by the currency devaluation. 17 www.fidelitybank.ng

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