Investor Presentaiton

Loan Portfolio Analysis Breakdown of Loans & Advances to Customers: 2020FY Vs. Q1 2021 N'million 2020FY Q1 2021 VAR % VAR Communication 32,217 29,776 -2,441 - 7.6% Oil and Gas 315,155 374,558 59,403 18.8% Upstream Downstream Services 157,939 159,777 1,838 1.2% 71,448 99,096 27,648 38.7% 85,767 115,685 29,918 34.9% Power 134,984 137,672 2,688 2.0% Manufacturing 241,835 207,586 -34,249 - 14.2% General Commerce 124,925 127,866 2,941 2.4% Transport 159,080 178,868 19,788 12.4% Consumer (Individuals) 53,422 54,521 1,099 2.1% Government 157,449 187,313 29,864 19.0% Construction 44,544 64,309 19,765 44.4% Agriculture 46,167 43,262 -2,905 - 6.3% Real Estate 28,110 29,074 964 3.4% Education 8,404 6,883 -1,521 - 18.1% Finance and Insurance 3,668 2,028 -1,640 - 44.7% Others 43,665 51,387 7,722 17.7% Total 1,393,624 1,495,102 101,477 7.3% 22 22 www.fidelitybank.ng

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