Fidelity Bank Financial Overview

Funding Base Analysis Key Highlights (N'm) Demand Deposits 2015 FY 2016 FY VAR % VAR Funding Structure: 2015 FY Funding Structure: 2016 FY 328,549 469,353 140,804 42.9% Debt, 8% Equity, 16% Debt, 10% Equity, 15% Savings Deposits Tenor Deposits Other Borrowings On-Lending 119,140 155,019 35,879 321,947 168,599 (153,348) 51,854 37,219 (14,635) 66,264 99,991 33,727 30.1% -47.6% Demand, 28% Demand, 38% -28.2% On-lending, 6% 50.9% On-lending, 8% Debt Securities Equity Total 90,121 121,816 31,695 183,516 185,402 1,886 1,161,391 1,237,399 76,008 35.2% Savings, 10% 1.0% 6.5% Other Borrowings, 4% Time, 28% Other Borrowings, 3% Savings, 13% Time, 14% Key Highlights (N'm) Demand Deposits Savings Deposits Time Deposits Other Borrowings On-Lending Debt Securities Equity Total Q1 2016 Q2 2016 Q3 2016 Q4 2016 376,054 455,915 480,276 469,353 135,078 138,104 143,385 155,019 273,416 235,908 171,931 168,599 51,854 71,943 76,901 37,219 97,161 102,393 102,393 99,991 88,269 112,584 121,652 121,816 184,029 183,464 184,984 185,402 1,205,862 1,300,312 1,281,523 1,237,399 Funding Structure: Q3 2016 Funding Structure: Q4 2016 Debt, 9% Equity, 14% Debt, 10% Equity, 15% Demand, 37% Demand, 38% On-lending. 8% On-lending, 8% Savings, 11% Savings, 13% Other Time, 13% Borrowings, 6% Other Borrowings, 3% Time, 14% Total deposits now represents 64.1% of total funding base (2015FY: 66.3%) and 75.4% of interest bearing liabilities. Other borrowings reduced by 28.2% as we opted for an early repayment of our $125m syndicated loan 26 26 www.fidelitybank.ng

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