Fidelity Financial Review & Guidance
Overview Operating Environment Financial Review Guidance
Non-performing loans (NPL) analysis
NPL Analysis
2020FY
2021FY
VAR
% VAR
2020FY
2021FY
N'million
N'million
N'million
%
NPL Ratio
NPL Ratio
Communication
Oil and Gas
1,932
982
(950)
-49.2%
6.0%
3.3%
4,469
4,203
(266)
-6.0%
1.4%
0.9%
- Oil & Gas Upstream
0
0
0
0.0%
0.0%
0.0%
- Oil & Gas Downstream
3,559
2,805
(753)
-21.2%
5.0%
2.7%
- Oil & Gas Services
911
1,398
487
53.5%
1.1%
0.8%
Power
0
0
0
56.6%
0.0%
0.0%
Manufacturing
3,290
3,160
(130)
-4.0%
1.4%
1.4%
General Commerce
6,221
6,698
477
7.7%
5.0%
4.4%
Transport
-37.3%
10.4%
4.6%
16,562
10,387
(6,175)
Consumer (Individuals)
3,636
6,525
2,889
79.5%
6.8%
9.8%
Government
30
16
(14)
-45.5%
0.0%
0.0%
Construction
797
317
(480)
-60.2%
1.8%
0.5%
Agriculture
3,877
4,326
449
11.6%
8.4%
6.0%
Real Estate
36
170
134
367.2%
0.1%
0.4%
Education
566
609
43
7.6%
6.7%
7.5%
Finance and Insurance
598
666
68
11.4%
16.3%
13.6%
Others
11,035
12,112
1,078
9.8%
25.3%
20.5%
Total
53,050
50,174
(2,876)
-5.4%
3.8%
2.9%
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