2020 Financial Highlights

Loan Book Analysis ▸ Net loans & advances increased by 17.7% to 1,326.1bn, with 85.9% of the loan book in term loans. Net Loans and Advances to Customers N'billion ▸ Actual real loan growth was 13.3% while the adjustment in exchange rate from N364.7/$ to N400.3/$ accounted for 4.4% (N49.5bn). 1,326.1 1,127.0 1,165.8 1,209.1 1,272.5 49.5 30.5 28.3 31.5 526.8 507.2 464.8 472.9 521.4 ▸ FCY loans now constitute about 42.0% of the net loan book from 41.2% in 2019FY. 662.2 664.6 656.2 715.2 769.4 ► About 29.1% (N58.0bn) of the growth in the loan book were created with on-lending and intervention facilities. Net Loans & Advances: LCY Vs. FCY 41.2% 43.0% 45.7% 43.8% 42.0% 58.8% 57.0% 54.3% 56.2% 58.0% 2019FY Q1 2020 H1 2020 9M 2020 2020FY ■LCY Loans FCY Loans 28 2019FY Q1 2020 H1 2020 9M 2020 2020FY ■LCY Loans ■FCY Loans ■Devaluation Impact Total Loans by Type - 2020FY Lease Finances, 2.5% Term Loans, 85.9% Overdrafts, 11.6% www.fidelitybank.ng

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