Fidelity Financial Review & Guidance
Overview Operating Environment Financial Review Guidance
Diversified loan book with focus on asset quality
Gross Loans by Sector
N'million
2020FY
Q1 2021
H1 2021
9M 2021
2021FY
VAR
% VAR
Communication
32,217
29,776
31,170
30,586
29,535
(1,052)
-3.4%
Oil and Gas
- Upstream
Downstream
Services
315,155
374,558
411,521
421,975
452,848
30,873
7.3%
157,939
159,777
167,486
167,940
177,409
9,469
5.6%
71,448
99,096
107,664
110,236
102,770
(7,466)
-6.8%
85,767
115,685
136,372
143,799
172,670
28,870
20.1%
Power
134,984
137,672
144,491
143,656
149,675
6,019
4.2%
Manufacturing
241,835
207,586
218,433
237,258
231,955
(5,303)
-2.2%
General Commerce
124,925
127,866
142,384
156,001
153,795
(2,207)
-1.4%
Transport
159,080
178,868
199,944
228,115
226,727
(1,388)
-0.6%
Consumer (Individuals)
53,422
54,521
59,794
62,576
66,658
4,083
6.5%
Government
157,449
187,313
184,616
179,485
175,365
(4,120)
-2.3%
Construction
44,544
64,309
75,930
59,201
58,971
(230)
-0.4%
Agriculture
46,167
43,262
47,491
60,288
71,759
11,471
19.0%
Real Estate
Education
Finance & Insurance
Others
28,110
29,074
29,240
42,432
43,330
898
2.1%
8,404
6,883
5,411
8,254
8,075
(179)
-2.2%
3,668
2,028
2,295
2,492
4,898
2,406
96.5%
43,665
51,387
53,404
52,005
58,954
6,949
13.4%
Total
1,393,624
1,495,102
1,606,125
1,684,325
1,732,545
48,220
2.9%
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