Fidelity Financial Review & Guidance

Overview Operating Environment Financial Review Guidance Actual Vs. Target PBT Loan Growth 2021FY Actual 2021FY Target Comment 2022FY Target N38.1bn N35.2bn Achieved N48.0bn 25.1% 10.0% 15.0% Achieved 10.0% 15.0% Deposit Growth 19.2% 15.0% 20.0% Achieved 15.0% 20.0% Net Interest Margin 4.7% 6.0% - 6.5% Not Achieved 5.0% - 6.0% Cost to Income Ratio 64.9% Below 65.0% Achieved Below 65.0% - ROAE Post Tax 12.5% 12.2% Achieved 14.7% Cost of Risk 0.5% 1.0% - 1.2% Achieved 1.0% NPL Ratio 2.9% Below 5.0% Achieved Below 5.0% Tax Rate 6.5% - 10.0% 15.0% Achieved - 15.0% 20.0% Proposed Dividend 35 kobo 25 -40% (of PAT) Achieved 25-40% (of PAT) Please note: final dividend per share is subject to regulatory and shareholders' approval. 29 29

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