COVID-19 Impact and Financial Review

H1 2020 Actual Vs. 2020FY Guidance S/N Index 1 Net Interest Margin 2 Tax Rate GROWTH EXPECTATIONS ON KEY INDICATORS H1 2020 Actual 6.4% 2020FY Target Comment 5.5% - 6.0% On Track 5.5% 10.0% 15.0% On Track 3 Loan Growth (YTD) 7.3% 5.0% - 7.5% On Track 4 Deposit Growth (YTD) 14.8% 5.0% - 10.0% On Track 5 Cost to Income Ratio 70.3% 70.0% N/A 30-50% (of PAT) band 6 Proposed Dividends 7 NPL Ratio 4.8% 8 Cost of Risk 1.3% 9 ROAE - Post Tax 9.4% 37 Below 5.0% On Track N/A On Track 1.5% On Track 11.3% Behind Target www.fidelitybank.ng

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