Investor Presentaiton

Strategic Business Units Analysis Corporate & Investment Banking Business Description Handles the bank's institutional clients with turnover in excess of 5.0 billion and treasury business ➤ Key focus sectors include: Treasury □ Conglomerates □ Energy (Oil & Gas) ☐ Telecoms Power FMCG ☐ Fintechs Manufacturing Handles retail, commercial, SME customers, and clients not matching the corporate banking criteria etc. PBT Location Based Analysis Deposits 15.6% 42.6% Loans 32.3% Lagos & SW Bank ➤ Drives retail deposits, lending, payroll and e-products etc. 34.2% 29.4% 33.5% Operates at 101 locations ➤ Handles retail, commercial, SME customers, and clients not matching the corporate banking criteria etc. North Bank 10.3% ➤ Drives retail deposits, lending, payroll and e-products etc. 14.9% 23.4% ➤ Operates at 59 locations including FCT. South Bank Handles retail, commercial, SME customers, and clients not matching the corporate banking criteria etc. ➤ Drives retail deposits, lending, payroll and e-products etc. Operates at 90 locations 32 17.7% 26.8% 19.3% www.fidelitybank.ng

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