Fidelity Bank Financial Overview

NPL Portfolio Analysis Breakdown of Non-performing Loans: 2015FY Vs 2016FY 2015FY 2016FY VAR % VAR 2015FY 2016FY N'million N'million N'million % % NPL % NPL Communication Oil and gas 1,919 1,492 -427 -22.2% 4.0% 3.4% 2,319 2,184 -135 -5.8% 1.6% 1.2% - Oil & Gas Upstream 0 0 0.0% 0.0% 0.0% - Oil & Gas Downstream 262 345 83 31.5% 1.1% 1.9% - Oil & Gas Services 2,056 1,839 -218 -10.6% 7.8% 5.5% Power 0 158 158 100.0% 0.0% 0.2% Manufacturing 7,805 10,161 2,356 30.2% 13.3% 13.5% General Commerce 3,032 10,043 7,010 231.2% 8.8% 22.1% Transport 4,056 14,868 10,812 266.6% 7.4% 20.4% Consumer (Individuals) 1,173 4,826 3,653 311.4% 1.8% 8.4% Government 310 50 -261 -84.0% 0.5% 0.0% Construction 1,779 629 -1,150 -64.6% 8.7% 2.7% Agriculture 667 926 259 38.8% 5.7% 9.5% Real Estate 1,198 1,509 311 26.0% 7.0% 6.6% Education 352 594 242 68.8% 10.5% 17.1% Finance and Insurance 190 237 46 24.4% 34.5% 3.8% Others 1,338 1,731 393 29.4% 17.7% 26.0% TOTAL 26,138 49,406 23,269 89.0% 4.4% 6.6% 35 55 www.fidelitybank.ng

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