Investor Presentaiton

Loan Book Analysis ▸ Net loans & advances increased by 7.6% to 1,426.3bn, with 87.1% of the loan book in term loans. Net Loans and Advances to Customers N'billion ▸ Actual real loan growth was 6.8% while the adjustment in exchange rate from N400.3/$ to 407.6/$ accounted for 0.8% (#10.1bn). 1,426.3 1,326.1 1,165.8 1,209.1 1,272.5 10.1 30.5 49.5 31.5 556.2 526.8 507.2 501.2 521.4 ▸ FCY loans now constitute about 39.7% of the net loan book from 42% in 2020FY. 664.6 656.2 715.2 769.4 859.9 ▸ Only 8.1% (N7.3bn) of the growth in the LCY loan book were created with on-lending and intervention facilities. Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 ■LCY Loans ■FCY Loans ■Devaluation Impact Net Loans & Advances: LCY Vs. FCY Total Loans by Type – Q1 2021 Lease Finances, 2.2% 43.0% 45.7% 43.8% 42.0% 39.7% 57.0% 54.3% 56.2% 58.0% 60.3% Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 ■LCY Loans ■FCY Loans 24 24 Term Loans, 87.1% Overdrafts, 10.7% www.fidelitybank.ng

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