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Gross Earnings Analysis N'million Q1 2020 Q1 2021 VAR % VAR Total Earnings: Q1 2020 Total Earnings 51,159 55,122 3,963 7.7% Maint. Fee, 1% Trade, 1% Maint. Fee, 2%. Total Earnings: Q1 2021 Trade, 1% Interest Income Loans 32,340 33,941 1,601 Int. Inc. Liquid Assets 11,586 9,121 (2,465) 5.0% -21.3% Digital, 3% Others, 5% Digital, 4% Others, 5% FX Income, 4% FX Income, 11% FX Income 1,965 5,936 3,971 202.1% Digital Income 1,624 2,203 579 35.7% A/C Maintenance fee 735 899 164 22.3% Trade Income 543 432 (111) -20.5% Other Income 2,366 2,590 224 9.5% Int. Inc. Liquid Assets, 23% Int. Income Loans, 63% Int. Inc. Liquid Assets, 17% Int. Income Loans, 62% N'million Q4 2020 Q1 2021 VAR % VAR Total Earnings: Q4 2020 Total Earnings: Q1 2021 Total Earnings 51,174 55,122 3,948 7.7% Maint. Fee, 2% Interest Income Loans 33,555 33,941 386 1.1% Digital, 4% Int. Inc. Liquid Assets 10,729 9,121 (1,608) -15.0% FX Income 4% Trade, 1% Maint. Fee, 2% Others, 3% Digital, 4% FX Income, 11% Trade, 1% Others, 5% FX Income 2,019 5,936 3,917 194.0% Digital Income 2,217 2,203 (14) -0.6% A/C Maintenance fee 821 899 77 9.4% Trade Income 440 432 (8) -1.8% Other Income 1,392 2,590 1,198 86.0% Int. Inc. Liquid Assets, 21% Int. Income Loans, 66% Int. Inc. Liquid Assets, 17% Int. Income Loans, 62% Gross earnings increased by 7.7% YoY (7.7% QoQ) as economic recovery translate to increased non-interest revenue: total customer induced transactions across all service channels increased by 30.4% YoY and 17.1% QOQ. However, total interest income dropped by 2.0% YoY due to lower yields on earning assets in the review period. 14 www.fidelitybank.ng

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