2020 Financial Highlights

NPL Portfolio Analysis Breakdown of Non-performing Loans: 2019FY Vs. 2020FY 2019FY 2020FY VAR % VAR N'million N'million N'million % 2019FY NPL Ratio 2020FY NPL Ratio Communication Oil and gas 1,198 1,932 734 61.3% 3.7% 6.0% 15,336 4,469 (10,867) -70.9% 6.3% 1.4% - Oil & Gas Upstream 175 (175) -100.0% 0.1% 0.0% - Oil & Gas Downstream 13,624 3,559 (10,065) -73.9% 26.1% 5.0% - Oil & Gas Services 1,538 911 (627) -40.8% 2.6% 1.1% Power 0 0 0.0 0.0% 0.0% Manufacturing 3,020 3,290 270 8.9% 1.4% 1.4% General Commerce 2,391 6,221 3,830 160.2% 2.4% 5.0% Transport 6,973 16,562 9,589 137.5% 5.1% 10.4% Consumer (Individuals) 2,663 3,636 973 36.6% 5.0% 6.8% Government 0 30 30 100.0% 0.0% 0.0% Construction 3,087 797 (2,290) -74.2% 8.7% 1.8% Agriculture 2,647 3,877 1,230 46.5% 8.0% 8.4% Real Estate 0 36 36 100.0% 0.0% 0.1% Education 435 566 131 30.2% 8.4% 6.7% Finance and Insurance 9 598 590 6,850.6% 0.2% 16.3% Others 874 11,035 10,161 1,162.6% 3.7% 25.3% Total 38,633 53,050 14,417 37.3% 3.3% 3.8% 33 www.fidelitybank.ng

View entire presentation