Fidelity Financial Review & Guidance

Overview Operating Environment Financial Review Guidance Focus remains on asset quality as the loan book increases Non-performing Loan (NPL) Ratio NPL Contribution by Sector (2020FY Vs. 2021FY) 0% 0% 3.8% 2021FY 5% 3.6% 2.8% 21% 2.8% 2.9% 4% 36% 30% 31% ■Communication: 4% Vs 2% ■Oil & Gas: Upstream: 0% Vs 0% Transport: 31% Vs 21% ■Power: 0% Vs 0% ■Gen. Commerce: 12% vs 13% ■Govt.: 0% Vs 0% 2020FY 0% ■Oil & Gas: Downstream: 7% Vs 6% 1% 13% 0% ■Consumer: 7% Vs 13% 12% 2020FY Q1 2021 H1 2021 9M 2021 2021 FY 6% 5% 3% 13% 0% 0% ■Oil & Gas: Service: 2% Vs 3% ■Manufacturing: 6% Vs 6% ■Construction: 2% Vs 1% Others: 30% Vs 36% N'billion NPL Coverage Ratio 53.1 54.3 155.4% 45.5 152.2% 46.9 50.2 1.4% 147.8% 139.3% 138.5% Cost of Risk 0.5% 0.4% 0.3% 0.2% 2020FY Q1 2021 H1 2021 9M 2021 2021FY 2020FY Q1 2021 H1 2021 9M 2021 2021FY Non-performing Loans Coverage Ratio 26 26

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