2020 Financial Highlights

NPL Portfolio Analysis Breakdown of Non-performing Loans N'million Q1 2020 H1 2020 9M 2020 2020FY Communication, 3.6% Power, 0.0% Communication 3,291 4,014 2,982 1,932 Others, 30.4% Oil and Gas 16,161 19,309 19,852 4,469 Upstream 347 0 0 0 Construction 1.5% - Downstream 15,301 18,843 19,116 3,559 NPL Analysis - 2020FY Oil & Gas: Upstream, 0.0% Manufacturing, 6.2% Gen. Commerce, 11.7% Oil & Gas: Services 514 467 736 911 Service, 1.7% Transport, 31.2% Power 0 0 0 0 Govt., 0.1% Manufacturing 10,029 9,606 11,715 3,290 Oil & Gas: Downstream, Gen. Commerce 4,849 4,178 4,769 6,221 Consumer, 6.9% 6.7% Transport 14,317 9,949 10,779 16,562 Consumer 2,792 4,012 3,338 3,636 Others, 10.3% Government 164 26 30 Construction Construction 856 3,863 1,763 797 8.0% Agriculture 3,553 3,184 3,404 Oil & Gas: 3,877 Service, 4.0% Real Estate 251 383 381 36 Education 454 468 697 566 Govt., 0.0% NPL Analysis - 2019FY Communication, 3.1% Power, 0.0% Oil & Gas: Upstream, 0.5% Manufacturing, 7.8% Gen. Commerce, 6.2% Fin. & Insurance 6 4 4 598 Others 1,556 2,198 3,351 11,035 Consumer 6.9% X Oil & Gas: Total 58,116 61,334 63,062 53,050 34 =4 Downstream, 35.3% Pressure NPL Sectors Transport, 18.0% www.fidelitybank.ng

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