2020 Financial Highlights

Loan Book Breakdown - Stage 1|2|3 Breakdown of Loans & Advances to Customers N'million Communication Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total 18,284 12,000 1,932 32,217 56.8% 37.2% 6.0% 2.3% Oil and Gas 235,270 75,416 4,469 315,155 74.7% 23.9% 1.4% 22.6% Upstream 87,514 70,426 0 157,939 55.4% 44.6% 0.0% 11.3% Downstream 63,136 4,754 3,559 71,448 88.4% 6.7% 5.0% 5.1% Services 84,620 236 911 85,767 98.7% 0.3% 1.1% 6.2% Power 3,534 131,450 0 134,984 2.6% 97.4% 0.0% 9.7% Manufacturing 222,707 15,838 3,290 241,835 92.1% 6.5% 1.4% 17.4% General Commerce 117,879 825 6,221 124,925 94.4% 0.7% 5.0% 9.0% Transport 118,190 24,328 16,562 159,080 74.3% 15.3% 10.4% 11.4% Consumer 49,492 294 3,636 53,422 92.6% 0.6% 6.8% 3.8% Government Construction 157,007 413 30 157,449 99.7% 0.3% 0.0% 11.3% 43,747 0 797 44,544 98.2% 0.0% 1.8% 3.2% Agriculture 40,265 2,025 3,877 46,167 87.2% 4.4% 8.4% 3.3% Real Estate 28,030 43 36 28,110 99.7% 0.2% 0.1% 2.0% Education 7,820 17 566 8,404 93.1% 0.2% 6.7% 0.6% Finance & Insurance 3,069 0 598 3,668 83.7% 0.0% 16.3% 0.3% Others 31,941 689 11,035 43,665 73.2% 1.6% 25.3% 3.1% Total 1,077,234 263,340 53,050 1,393,624 77.3% 18.9% 3.8% 100.0% % Share of Total 77.3% 18.9% 3.8% 100.0% Coverage Ratio 0.9% 8.1% 68.9% 4.8% 30 30 www.fidelitybank.ng

View entire presentation