Fidelity Financial Review & Guidance

Overview Operating Environment Financial Review Guidance Driving sustainable and improving earnings with non-interest revenue Gross Earnings (N'bn) Key drivers of NIR: % Contribution Double-digit growth across key NIR lines 206.2 6% 2021FY 21.6% 23% 5% 250.8 18% 31% 9% 34% 2020FY 9% 25% 10% 9% 23% % Growth 47.2 60.3% 2.9 85 14.5 46 29.5 1.6 4.1 48 ■ Others ■Credit Related Fee Digital Income ■Maint'ne Charge 10.0 10.7 47 2020FY 2021FY ■FX Income ■Trade 2.8 4.3 68 7.2 2020FY 2021 FY 2.6 10.7 101 5.3 Interest Income 2020FY 176.8 15.2% 203.6 2021FY Trade FX Income Maint'ne Charge Non-interest Revenue 29.5 60.3% 47.2 I Digital Income Credit Related Others 14

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