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Investor Presentaiton

Q1 2021 Actual Vs. 2021FY Guidance GROWTH EXPECTATIONS ON KEY INDICATORS S/N Index 1 PBT Q1 2021 Actual N10.1bn 2021FY Target N35.2bn Comment On Track 2 Loan Growth - 3 Deposit Growth 7.6% 10.0% 15.0% 3.1% 15.0% 20.0% Behind Target On Track 4 Net Interest Margin 6.3% 6.0% - 6.5% On Track 5 Cost to Income Ratio 66.8% Below 65.0% On Track 6 RoAE - Post Tax 14.5% 12.2% On Track 7 Cost of Risk 0.4% 1.0% - 1.2% On Track 8 NPL Ratio 3.6% Below 5.0% On Track 9 Tax Rate 5.4% 10.0% 15.0% On Track 10 Proposed Dividends N/A 25-40% (of PAT) N/A 34 =4 www.fidelitybank.ng

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