COVID-19 Impact and Financial Review

NPL Portfolio Analysis Breakdown of Non-performing Loans: 2019FY Vs. H1 2020 2019FY H1 2020 N'million N'million VAR N'million % VAR % 2019FY NPL Ratio H1 2020 NPL Ratio Communication Oil and gas 1,198 4,014 2,816 235.0% 3.7% 12.7% 15,336 19,309 3,973 25.9% 6.3% 6.2% - Oil & Gas Upstream 175 (175) -100.0% 0.1% 0.0% - Oil & Gas Downstream 13,624 18,843 5,219 38.3% 26.1% 21.3% - Oil & Gas Services 1,538 467 (1,071) -69.7% 2.6% 0.6% Power 0 0 0.0% 0.0% 0.0% Manufacturing 3,020 9,606 6,586 218.1% 1.4% 4.6% General Commerce 2,391 4,178 1,787 74.8% 2.4% 3.6% Transport 6,973 9,949 2,976 42.7% 5.1% 6.9% Consumer (Individuals) 2,663 4,012 1,349 50.7% 5.0% 7.8% Government 0 164 164 100.0% 0.0% 0.1% Construction 3,087 3,863 775 25.1% 8.7% 10.4% Agriculture 2,647 3,184 537 20.3% 8.0% 8.4% Real Estate 0 383 382 100.0% 0.0% 1.4% Education 435 468 34 7.8% 8.4% 8.3% Finance and Insurance 9 4 (4) -49.4% 0.2% 0.3% Others 874 2,198 1,324 151.5% 3.7% 7.0% Total 38,633 61,334 22,700 58.8% 3.3% 4.8% 31 www.fidelitybank.ng

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