Fidelity Bank Financial Overview

Loan Portfolio Analysis Breakdown of Loans & Advances to Customers N'million 2015FY Q1 2016 Q2 2016 Q3 2016 Communication 48,298 Oil and Gas Upstream 147,407 2016FY 50,388 52,501 48,729 43,566 147,077 189,896 210,159 188,217 Agriculture, 1.3% Construction,. 3.1% 97,568 94,831 133,077 145,373 136,161 Government, Loan Analysis - 2016FY Real Estate, 3.1% Others, 2.2% Communication, 5.9% Oil and gas, 25.3% - Downstream 23,430 Services Power Manufacturing Gen. Commerce Transport Consumer 24,128 24,289 32,791 26,409 28,118 32,530 31,995 68,483 63,718 77,273 77,056 58,670 55,161 78,971 73,980 34,521 32,254 38,401 36,731 54,806 55,209 69,633 77,631 65,959 55,353 58,223 57,573 18,591 13.6% 33,464 87,845 75,006 Transport, 9.8% 45,378 72,830 Consumer, 7.7% Gen. Commerce, Power, 11.8% Manufacturing, 10.1% 6.1% Loan Analysis - 2015FY 57,214 Government 60,003 Construction 20,462 Agriculture 11,724 91,520 106,173 105,468 20,682 21,938 23,177 11,194 101,007 Agriculture, 2.0% Real Estate, 2.9% Others, 1.9% 22,873 Construction,. Real Estate 17,157 17,133 21,160 9,519 10,263 23,952 9,740 23,000 3.4% Government,. 10.0% Communication, 8.1% Oil and gas, 24.6% Education 3,358 3,408 4,090 3,979 3,474 Power, 11.4% Fin. & Insurance 552 Others 7,577 857 7,695 1,431 1,685 6,310 Consumer, 11.0% 7,506 7,375 6,661 Total 598,978 611,649 736,713 757,760 743,120 Transport, 9.1% Gen. Commerce, 5.8% Manufacturing, 9.8% 31 www.fidelitybank.ng

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