COVID-19 Impact and Financial Review

Financial Highlights Statement of Financial Position: YTD Change N'million 2019FY H1 2020 VAR % VAR Total Assets Earning Assets Bank Placements Treasury Bills Bonds Customer Loans (Naira) 2,114,037 2,403,234 289,197 13.7% 1,474,252 1,578,092 103,840 7.0% 55,812 70,443 14,631 26.2% 183,363 206,816 23,453 12.8% 108,103 91,731 (16,372) -15.1% 662,214 656,165 (6,049) -0.9% Customer Loans (FCY) 464,760 552,937 88,177 19.0% Non-Earning Assets 639,785 825,142 185,357 29.0% Cash 31,658 30,430 (1,228) -3.9% Cash Reserve 343,346 487,861 144,515 42.1% Bal. with other Banks/Settlement Acct 179,932 217,362 37,430 154.0% Fixed Assets 38,392 38,275 (117) -0.3% All Other Assets 46,457 51,214 4,757 10.2% Interest Bearing Liabilities 1,726,938 1,923,814 196,876 11.4% Demand 691,610 706,356 14,746 2.1% Savings Time Deposits Other Borrowings 275,219 363,920 88,701 32.2% 258,384 335,669 77,285 29.9% 76,308 75,788 (520) -0.7% On-lending Facilities 250,139 255,996 5,857 2.3% Debt Securities 175,278 186,085 10,807 6.2% All Other Liabilities 153,069 228,731 75,662 49.4% Equity 234,030 250,689 16,659 7.1% Please note: The Balance Sheet was converted at an exchange rate of #386.75/USD 15 www.fidelitybank.ng

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