Fidelity Bank Financial Overview

Capital Adequacy ► Fidelity CAR declined to 17.2% in 2016FY due to a N19.1bn charge on our Tier 1 capital being the excess charge for exceeding our single obligor limit due to the impact of the devaluation on an FCY Loan The charge naturalized the impact of the N17.2bn NDR adjustment to our Tier 1 capital; excluding the charge, our CAR would have been 18.9% in 2016FY. Capital Adequacy Ratio Computation - Basel II N'million 2015 FY 2016 FY VAR Tier 1 Capital 143.7 166.1 22.4 Regulatory Adjustment Adjusted Tier 1 Capital 0.0 -19.0 -19.0 143.7 147.1 3.4 Tier 2 Capital 47.4 49.0 1.6 ▸ Fidelity CAR still remains above the regulatory minimum requirement of 15.0%. Total Qualified Capital 191.1 196.1 5.0 Credit Risk 779.3 914.8 135.5 Capital Adequacy Ratio Market Risk 89.8 62.5 -27.3 N'billion % Ratio Operational Risk 152.6 160.9 8.4 200 183.5 184.0 183.5 185.0 185.4 30% Risk Weighted Assets 1,021.6 1,138.3 116.7 150 18.7% 19.3% 16.4% 16.8% 17.2% 20% 100 15.0% 15.0% 15.0% 15.0% 15.0% Capital Adequacy Ratio 10% 50 Tier 1 14.1% 14.6% 0 0% Tier 2 4.6% 4.3% 2015 FY Q1 2016 H1 2016 9M 2016 2016 FY Overall CAR 18.7% 17.2% Total Equity - Fidelity CAR Regulatory Minimum 38 88 www.fidelitybank.ng

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