2020 Financial Highlights

Loan Portfolio Analysis Breakdown of Loans & Advances to Customers N'million Q1 2020 H1 2020 9M 2020 2020FY Construction,_ 3.2% Communication Oil and Gas 30,121 281,720 309,576 324,884 31,521 30,548 32,217 Oil & Gas: 315,155 Service, 6.2% Upstream 139,742 145,864 152,278 157,939 Government, 11.3% - Downstream 68,551 88,587 92,736 71,448 Consumer, 3.8% - Services 73,426 75,126 79,870 85,767 Power 127,068 127,925 131,139 134,984 Oil & Gas: Downstream, 5.1% Manufacturing 210,770 209,632 224,732 241,835 Transport, 11.4% Loan Analysis - 2020FY Agriculture, 3.3% Others, 6.0% Communication, 2.3% Oil & Gas: Upstream, 11.3% Power, 9.7% Manufacturing, 17.4% Gen. Commerce, 9.0% Gen. Commerce 100,915 115,244 117,321 124,925 Transport 142,072 144,476 145,436 159,080 Loan Analysis - 2019FY Consumer 50,375 51,197 52,961 53,422 Construction,. Government 137,674 137,442 159,026 157,449 3.0% Agriculture, 2.8% Others, 5.1% Construction 36,736 37,000 40,290 44,544 Oil & Gas: Agriculture 35,954 37,896 39,719 46,167 Service, 5.1% Real Estate 27,076 26,508 26,747 28,110 Government, 12.7% Education 5,029 5,644 5,752 8,404 Consumer, 4.6% Fin. & Insurance 1,471 1,743 1,123 3,668 Others 31,918 31,483 34,969 43,665 Total 1,218,897 1,267,289 1,334,648 1,393,624 Oil & Gas: Downstream, 4.4% Gen. Commerce, 8.4% Communication, 2.8% Oil & Gas: Upstream, 11.3% Power, 10.0% Manufacturing, 18.3% Transport, 11.5% 27 www.fidelitybank.ng

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