Fidelity Financial Review & Guidance
Overview Operating Environment Financial Review Guidance
Sectoral contributions remain below internal guidance and portfolio limit of 20.0%
Gross Loans by Sector
% Contribution (2021FY)
N'million
2020FY
2021FY
VAR
% VAR
Government; 10.1%
Oil & Gas: Service; 10.0%
Communication
32,217
29,535
(2,682)
-8.3%
Consumer; 3.8%
Oil and Gas
315,155
452,848
137,694
43.7%
Oil & Gas:
- Upstream
157,939
177,409
19,469
12.3%
Downstream; 5.9%
Downstream
Services
71,448
102,770
31,322
43.8%
85,767
172,670
86,903
101.3%
Transport; 13.1%
Power
134,984
149,675
14,691
10.9%
Gen. Commerce; 8.9%
Manufacturing
241,835
231,955
(9,880)
-4.1%
Construction; 3.4%
Agriculture; 4.1%
Others; 6.7%
Communication; 1.7%
Oil & Gas: Upstream;
10.2%
Power; 8.6%
Manufacturing; 13.4%
General Commerce
124,925
153,795
28,870
23.1%
Transport
159,080
226,727
67,647
42.5%
Consumer (Individuals)
53,422
66,658
13,236
24.8%
Government
157,449
175,365
17,916
11.4%
Government; 11.3%
% Contribution (2020FY)
Oil & Gas: Service; 6.2%
Construction
44,544
58,971
14,427
32.4%
Consumer; 3.8%
Construction; 3.2%
Agriculture
46,167
71,759
25,592
55.4%
Oil & Gas:
Real Estate
28,110
43,330
15,220
54.1%
Downstream; 5.1%
Education
8,404
8,075
(329)
-3.9%
Transport; 11.4%
Finance & Insurance
3,668
4,898
1,230
33.5%
Gen. Commerce; 9.0%
Others
43,665
58,954
15,289
35.0%
Total
1,393,624
1,732,545
338,921
24.3%
Manufacturing; 17.4%
Agriculture; 3.3%
Others; 6.0%
Communication; 2.3%
Oil & Gas: Upstream;
11.3%
Power; 9.7%
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