Investor Presentaiton

Loan Book Breakdown - Stage 1|2|3 Breakdown of Loans & Advances to Customers N'million Communication Stage 1 16,097 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total 12,088 1,591 29,776 54.1% 40.6% 5.3% 2.0% Oil and Gas 264,477 106,334 3,747 374,558 70.6% 28.4% 1.0% 25.1% Upstream 87,191 72,586 0 159,777 54.6% 45.4% 0.0% 10.7% Downstream 93,717 2,453 2,926 99,096 94.6% 2.5% 3.0% 6.6% Services 83,569 31,295 821 115,685 72.2% 27.1% 0.7% 7.7% Power 12,100 125,573 0 137,672 8.8% 91.2% 0.0% 9.2% Manufacturing 193,018 10,872 3,697 207,586 93.0% 5.2% 1.8% 13.9% General Commerce 108,233 13,422 6,211 127,866 84.6% 10.5% 4.9% 8.6% Transport 146,392 15,433 17,043 178,868 81.8% 8.6% 9.5% 12.0% Consumer 48,232 2,389 3,899 54,521 88.5% 4.4% 7.2% 3.6% Government Construction 187,013 228 72 187,313 99.8% 0.1% 0.0% 12.5% 58,466 5,214 628 64,309 90.9% 8.1% 1.0% 4.3% Agriculture 35,555 3,560 4,147 43,262 82.2% 8.2% 9.6% 2.9% Real Estate 28,384 103 587 29,074 97.6% 0.4% 2.0% 1.9% Education 5,876 409 599 6,883 85.4% 5.9% 8.7% 0.5% Finance & Insurance 1,394 0 633 2,028 68.8% 0.0% 31.2% 0.1% Others 38,222 1,720 11,445 51,387 74.4% 3.3% 22.3% 3.4% Total 1,143,459 297,343 54,300 1,495,102 76.5% 19.9% 3.6% 100.0% % Share of Total 76.5% Coverage Ratio 0.7% 19.9% 8.2% 3.6% 100.0% 66.2% 4.6% 26 26 www.fidelitybank.ng

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