Fidelity Bank Financial Overview

Liquid Assets Position Short-term Funds Placements Treasury Bills Bonds 18.7% C 1.0% As a % of Total Assets Liquidity Ratio 9.8% As a % of Total Assets As a % of Total Assets 8.6% As a % of Total Assets % Total Loans to Customer Deposits 37.5% 78.8% 78.0% 36.0% 36.3% 73.3% 34.4% 33.2% 66.5% 62.8% 30.0% 30.0% 30.0% 30.0% 30.0% 2015 FY Q1 2016 H1 2016 Fidelity LR 9M 2016 Regulatory Minimum 2016 FY 2015 FY Q1 2016 H1 2016 9M 2016 2016 FY While our loan book includes self funded public sector on-lending facilities, the corresponding liabilities used to fund these loans were not classified as customer deposits. LDR excluding self-funded public sector on-lending facilities is 78.0% as at end of 2016FY. 29 www.fidelitybank.ng

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