Fidelity Bank Financial Overview

NPL Portfolio Analysis Breakdown of Non-performing Loans 2015FY Q1 2016 Q2 2016 Q3 2016 NPL Analysis - 2016FY Real Estate, Others, 5.2% N'million Communication 2016FY 3.1% Communication, 3.0% 1,919 1,944 1,001 1,928 1,492 Agriculture, 1.9% Oil and Gas 2,319 2,350 3,528 4,537 2,184 - Upstream 0 0 0 0 0 Construction,. 1.3% - Downstream 262 266 1,403 1,369 345 Govt., 0.1% Oil and gas, 4.4% Power, 0.3% Manufacturing, 20.6% Services 2,056 2,084 2,124 3,168 1,839 Consumer Power 0 0 4 4 158 9.8% Manufacturing 7,805 7,825 7,624 9,149 10,161 Transport, 30.1% Gen. Commerce, 20.3% Gen. Commerce 3,032 3,123 3,892 5,546 10,043 Transport 4,056 4,106 2,514 4,033 14,868 NPL Analysis - 2015FY Consumer 1,173 1,188 1,404 2,275 4,826 Real Estate, 4.6% Others, 7.2% Government 310 290 275 324 50 Communication, 7.3% Construction 1,779 1,802 1,273 1,672 629 Agriculture, 2.6% Oil and gas, Agriculture 667 667 688 799 926 Construction, 6.8% Real Estate 1,198 1,214 1,093 2,020 1,509 8.9% Power, 0.0% Education 352 357 347 339 594 Govt., 1.2% Fin. & Insurance 190 193 186 186 237 Consumer Manufacturing , 29.9% Others 1,338 1,426 1,281 1,328 1,731 4.5% Total 26,138 26,484 25,110 34,141 49,406 Transport, 15.5% Gen. Commerce, 11.6% 36 36 www.fidelitybank.ng

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