2020 Financial Highlights

Deposits Analysis ► Total customer deposits increased by 38.7% to 1,699.0bn from #1,225.2bn in 2019FY. ▸ While actual growth was 36.5%, the impact of FX rate adjustment accounted for only 2.2% growth in deposits. ➤ Low-cost deposits grew by 35.3% to N1,307.7bn and was responsible for 71.9% of the absolute growth in total deposits. ▸ FCY deposits increased by 3.3% and now accounts for 17.5% of total deposits. ▸ Total FCY deposit declined to $745m from $791m in 2019FY as customers utilize more of their funds for trade purpose. Deposits by Products - 2019FY Vs. 2020 FY N'billion 883.3 691.6 424.4 391.3 275.2 258.4 Total Deposits N'billion 23.6% 23.7% 21.4% 21.2% 17.5% 1,699.0 1,498.4 1,352.3 1,225.2 288.6 1,405.9 300.8 298.2 317.8 320.8 1,400.8 936.6 1,031.4 1,105.2 1,180.6 2019FY Q1 2020 ■LCY Deposits H1 2020 ■FCY Deposits 9M 2020 2020FY ■% FCY Deposits 1,699.0 Time Deposit 23.0% 1,225.2 Deposits by Products - 2020FY Savings Deposit Demand Savings Time | Total Deposits 25.0% ■2019FY 2020FY 23 23 Demand Deposit 52.0% www.fidelitybank.ng

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