2020 Financial Highlights

2020FY Actual Vs. 2021FY Guidance S/N Index 2020FY Actual GROWTH EXPECTATIONS ON KEY INDICATORS 2020FY Target Comment 2021FY Target 1 PBT N28.0bn N25.8bn Achieved N35.2bn 2 Loan Growth 17.7% 5.0% - 7.5% Achieved 10.0% 15.0% 3 Deposit Growth 38.7% 5.0% 10.0% Achieved 15.0% 20.0% 4 Net Interest Margin 6.3% 5.5% -6.0% Achieved 6.0% - 6.5% 5 Cost to Income Ratio 65.1% 70.0% Achieved Below 65.0% 6 ROAE - Post Tax 10.5% 11.3% Behind Target 12.2% 7 Cost of Risk 1.4% 1.5% Achieved 1.0% - 1.2% 8 NPL Ratio 3.8% Below 5.0% Achieved Below 5.0% 9 Tax Rate 5.0% 10.0% 15.0% Achieved 10.0% 15.0% 10 Proposed Dividends 23.9% 30-50% (of PAT) Behind Target 25-40% (of PAT) 38 38 www.fidelitybank.ng

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