2020 Financial Highlights

Retail Banking Analysis (Personal Banking) ► Savings deposits grew by 54.2% and now represent 25.0% of total deposits from 22.5% in 2019FY. Savings Deposits Trend N'billion 22.5% 23.1% 25.9% 25.7% 25.0% ▸ Savings deposits accounted for 32.1% of the growth in local currency deposits in 2020FY. ► Retail assets is gradually ticking up as economic activities improve across sectors. 424.4 385.1 363.9 312.1 275.2 ▸ Expansion in our retail banking businesses is anchored on increased digital banking penetration currently at 52.8% and collaborations with Fintechs. 2019FY Q1 2020 H1 2020 9M 2020 2020FY Savings Deposits 1% Share of Total Deposits Retail Low Cost Deposits Retail Assets Trend N'billion N'billion 37.0% 37.7% 41.8% 40.7% 38.8% 4.6% 4.1% 4.0% 4.0% 3.8% 507.3 53.8 53.0 53.4 468.0 50.4 51.2 446.9 358.2 395.1 www.fidelitybank.ng 2019FY Q1 2020 H1 2020 9M 2020 2020FY 2019FY Q1 2020 H1 2020 9M 2020 2020FY ■Retail Deposits ■% Share of Low Cost Deposits ■Retail Assets ■% Share of Total Loan Book 24 24

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