Fidelity Bank Financial Overview

Performance Highlights Revenue and Efficiency Ratio Total Interest Income up by 1.6% to N123.2 billion in 2016 FY (2015 FY: N121.2 billion) ☐ Net Fee Income up by 9.6% to N25.6 billion in 2016 FY (2015 FY: N23.4 billion) ☐ Net Interest Margin declined to 6.4% in 2016 FY from 6.9% in 2015 FY. PBT down by 21.1% to N11.1 billion in 2016 FY (PAT came in at N9.7 billion) Asset Quality □ Cost of Risk increased to 1.2% in 2016 FY, compared to 1.0% in 2015 FY NPL Ratio increased to 6.6% in 2016 FY from 4.4% in 2015 FY □ Coverage Ratio improved to 83.5% in 2016 FY from 79.5% in 2015 FY □ FCY Loans accounts for 44.4% of Total Loan Book from 40.4% in 2015 FY Capital Adequacy and Liquidity Capital Adequacy Ratio of 17.2%, based on Basel II computation ☐ Liquidity Ratio of 33.2% compared to regulatory minimum of 30.0% □ Net Loans to Customer Deposits Ratio stood at 78.0% from 66.5% (2015 FY) Total Equity at N185.4 billion compared to N183.5 billion in 2015 FY www.fidelitybank.ng

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