2020 Financial Highlights

Loan Portfolio Analysis Breakdown of Loans & Advances to Customers: 2019FY Vs. 2020FY N'million Communication 2019FY 32,416 2020FY VAR % VAR 32,217 (199) -0.6% Oil and Gas 244,799 315,155 70,356 28.7% Upstream Downstream Services 132,860 157,939 25,079 18.9% 52,203 71,448 19,245 36.9% 59,735 85,767 26,032 43.6% Power 118,413 134,984 16,571 14.0% Manufacturing 215,707 241,835 26,128 12.1% General Commerce 98,976 124,925 25,949 26.2% Transport 135,991 159,080 23,089 17.0% Consumer (Individuals) 53,786 53,422 (364) -0.7% Government 150,086 157,449 7,363 4.9% Construction 35,594 44,544 8,950 25.1% Agriculture 32,931 46,167 13,236 40.2% Real Estate 26,495 28,110 1,615 6.1% Education 5,159 8,404 3,245 62.9% Finance and Insurance 4,508 3,668 (840) -18.6% Others 23,529 43,665 20,136 85.6% Total 1,178,389 1,393,624 215,236 18.3% 26 www.fidelitybank.ng

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