Fidelity Bank Financial Overview

2016FY Review Vs 2017FY Guidance GROWTH EXPECTATIONS ON KEY INDICATORS S/N Index 2016FY Actual 2016FY Target Comment 2017FY Target 1 Net Interest Margin 6.4% 6.75% -7.0% Not Achieved 6.5% -7.0% 2 Tax Rate 12.0% 15% to 20% Achieved 15% to 20% 3 Loan Growth (YoY) 24.2% 5.0% to 7.5% Achieved 4 Deposit Growth (YoY) 3.0% 5.0% to 7.5% Not Achieved 7.5% 10.0% 5 - Cost Income Ratio 77.3% 70% band Not Achieved 70% Band 6 Proposed Dividends 41.7% 30-50% (of PAT) band Achieved 30-50% (of PAT) band 7 NPL Ratio 6.6% Below 5% Not Achieved Below 5% 8 ROE - Post Tax 5.3% Below 10% Not Achieved 10% 42 www.fidelitybank.ng

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