2020 Financial Highlights

Strategic Business Units Analysis Business Description Handles the bank's institutional clients with turnover in excess of 5.0 billion and treasury business PBT Corporate & Investment Banking ➤ Key focus sectors include: Lagos & SW Bank Treasury □ Conglomerates □ Energy (Oil & Gas) ☐ Telecoms Power FMCG ☐ Fintechs Manufacturing Handles retail, commercial, SME customers, and clients not matching the corporate banking criteria etc. ➤ Drives retail deposits, lending, payroll and e-products etc. Operates at 101 locations Location Based Analysis Deposits 12.9% 34.1% Loans 33.6% 35.5% 16.1% 31.0% ➤ Handles retail, commercial, SME customers, and clients not matching the corporate banking criteria etc. North Bank ➤ Drives retail deposits, lending, payroll and e-products etc. 15.3% 22.9% 23.4% ➤ Operates at 59 locations including FCT. South Bank Handles retail, commercial, SME customers, and clients not matching the corporate banking criteria etc. ➤ Drives retail deposits, lending, payroll and e-products etc. Operates at 90 locations 36 27.0% 28.1% 20.1% www.fidelitybank.ng

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