Investor Presentaiton

NPL Portfolio Analysis Breakdown of Non-performing Loans: 2020FY Vs. Q1 2021 2020FY Q1 2021 VAR % VAR N'million N'million N'million % 2020FY NPL Ratio Q1 2021 NPL Ratio Communication Oil and gas 1,932 1,591 (341) -17.7% 6.0% 5.3% 4,469 3,747 (722) -16.2% 1.4% 1.0% - Oil & Gas Upstream 0.0% 0.0% 0.0% - Oil & Gas Downstream 3,559 2,926 (633) -17.8% 5.0% 3.0% - Oil & Gas Services 911 821 (90) -9.8% 1.1% 0.7% Power 0 0 0 11.7% 0.0% 0.0% Manufacturing 3,290 3,697 407 12.4% 1.4% 1.8% General Commerce 6,221 6,211 (10) -0.2% 5.0% 4.9% Transport 16,562 17,043 481 2.9% 10.4% 9.5% Consumer (Individuals) 3,636 3,899 263 7.2% 6.8% 7.2% Government 30 72 42 142.0% 0.0% 0.0% Construction 797 628 (169) -21.2% 1.8% 1.0% Agriculture 3,877 4,147 270 7.0% 8.4% 9.6% Real Estate 36 587 551 1511.6% 0.1% 2.0% Education 566 599 33 5.8% 6.7% 8.7% Finance and Insurance 598 633 34 5.7% 16.3% 31.2% Others 11,035 11,445 410 3.7% 25.3% 22.3% Total 53,050 54,300 1,249 2.4% 3.8% 3.6% 29 22 www.fidelitybank.ng

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