Investor Presentaiton

Funding Base Analysis N'million Q1 2020 Q1 2021 VAR % VAR Funding Structure: Q1 2020 Funding Structure: Q1 2021 Demand Deposits 734,787 937,695 202,908 27.6% Debt, 9% Equity, 12% Debt, 8% Equity, 10% Savings Deposits 312,109 441,572 129,463 41.5% Tenor Deposits 305,366 372,070 66,704 21.8% Other Borrowings On-Lending 50,479 89,142 38,663 76.6% Demand, 35% On-lending, On-lending, 12% Demand, 36% 252,174 315,388 63,214 25.1% 12% Debt Securities 191,383 210,608 19,224 10.0% Equity 242,384 264,424 22,039 9.1% Savings, 15% Savings, 17% Total 2,088,683 2,630,898 542,215 26.0% Other Borrowings, 2% Time, 15% Other Borrowings, 3% Time, 14% N'million 2020FY Q1 2021 VAR % VAR Funding Structure: 2020FY Funding Structure: Q1 2021 Demand Deposits Savings Deposits Tenor Deposits Other Borrowings On-Lending Debt Securities 883,300 424,384 441,572 391,342 372,070 99,055 89,142 308,097 315,388 937,695 Equity Total 6.2% 17,188 4.1% (19,272) -4.9% (9,913) -10.0% 7,291 2.4% 161,916 210,608 48,692 273,533 264,424 (9,109) 2,541,627 2,630,898 89,271 54,395 Debt, 6% Equity, 11% Debt, 8% Equity, 10% Demand, 35% On-lending, 12% On-lending, 12% Demand, 36% 30.1% -3.3% 3.5% Savings, 17% Savings, 17% Other Borrowings, 4% Time, 15% Other Borrowings, 3% Time, 14% Deposits still represent a chunk of our funding base, accounting for 66.6% of total funding base and 74.0% of interest-bearing liabilities. 30.1% YTD increase in debt securities was due to the 10-Yr N41.2bn Tier II Bonds issued in Jan 2021 @ 8.5% coupon p.a. 18 www.fidelitybank.ng

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