Investor Presentaiton

Capital Adequacy Ratio ▸ CAR stood at 18.4%, well above the regulatory minimum requirement of 15.0%. Excluding the regulatory adjustment, CAR would have come in at 19.6%. ▸ Tier II Capital included our 10-Yr N41.2bn Bonds issued in Jan 2021 @ 8.5% coupon p.a.. Total Equity dropped by 3.3% YTD to №4264.4bn from N273.5bn in 2020FY due to N18.7bn (47.2%) decline in Fair Value Reserves to N20.9bn. Capital Adequacy Ratio Computation - Basel II N'billion 2020FY Q1 2021 VAR Tier 1 Capital 224.3 224.3 0.0 Regulatory Adjustment Adjusted Tier 1 Capital (20.2) (17.8) (2.3) 204.1 206.4 2.3 Tier 2 Capital 39.6 74.8 35.1 Total Qualified Capital 243.7 281.2 37.5 Capital Adequacy Ratio Credit Risk 1,048.3 1,257.5 209.1 N'billion % Ratio Market Risk 87.6 65.6 (22.1) 262.2 273.5 Operational Risk 204.3 205.9 1.6 264.4 242.4 250.7 Risk Weighted Assets 1,340.2 1,528.9 188.7 17.7% 18.8% 18.2% 18.2% 18.4% 15.0% 15.0% 15.0% 15.0% 15.0% Capital Adequacy Ratio Tier 1 15.2% 13.5% Tier 2 3.0% 4.9% Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 Overall CAR 18.2% 18.4% Total Equity Fidelity CAR Regulatory Minimum 31 www.fidelitybank.ng

View entire presentation