Investor Presentaiton

NPL Analysis ▸ NPL ratio (Stage 3 Loans) dropped to 3.6% from 3.8% in 2020FY due to 7.3% increase in absolute Loan Book to N1,495.1bn. Gross Loans and Advances N'billion 1,495.1 ►FCY NPL accounted for 17.2% of total NPL Book and were largely in the Transport sector etc. 1,393.6 1,334.6 1,218.9 1,267.3 54.3 58.1 61.3 63.1 53.1 ▸ Coverage remains high at 138.5% with specific provisions on Stage 3 Loans currently at 66.2%. 1,160.8 1,206.0 1,271.6 1,340.6 1,440.8 ▸ Key sectors: Oil & Gas Downstream, Agriculture and Telecoms etc. have over 90.0% cover. Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 ■Performing Loans ■Non-performing Loans N' billion NPL Coverage Ratio % Ratio Non-performing Loans 61.3 63.1 58.1 53.1 54.3 4.8% 4.7% 3.8% 3.8% 115.2% 139.3% 138.5% 117.5% 115.8% 3.6% Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 Non-performing Loans Coverage Ratio 28 88 www.fidelitybank.ng

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