Investor Presentaiton

Loan Portfolio Analysis Breakdown of Loans & Advances to Customers N'million Communication Oil and Gas Upstream 31,521 309,576 145,864 H1 2020 9M 2020 2020FY 30,548 32,217 324,884 315,155 Q1 2021 Agriculture, 2.9%. Others, 6.0% 29,776 374,558 Construction 4.3% Loan Analysis - Q1 2021 Communication, 2.0% Oil & Gas: Upstream, 10.7% 152,278 157,939 Oil & Gas: 159,777 Service, 7.7% - Downstream 88,587 92,736 71,448 99,096 - Services 75,126 79,870 85,767 115,685 Power 127,925 131,139 134,984 137,672 Consumer, 3.6%. Manufacturing 209,632 224,732 241,835 207,586 Gen. Commerce 115,244 117,321 124,925 127,866 Oil & Gas: Downstream, 6.6% Transport 144,476 145,436 159,080 178,868 Government, 12.5% Power, 9.2% Manufacturing, 13.9% Gen. Commerce, 8.6% Transport, 12.0% Loan Analysis - 2020FY Consumer 51,197 52,961 53,422 54,521 Construction,. Government 137,442 159,026 157,449 187,313 3.2% Agriculture, 3.3% Others, 6.0% Construction 37,000 40,290 44,544 64,309 Oil & Gas: Service, 6.2% Agriculture 37,896 39,719 46,167 43,262 Real Estate 26,508 26,747 28,110 29,074 Government, 11.3% Education 5,644 5,752 8,404 6,883 Consumer, 3.8% Fin. & Insurance 1,743 1,123 3,668 2,028 Others 31,483 34,969 43,665 51,387 Oil & Gas: Downstream, 5.1% Total 1,267,289 1,334,648 1,393,624 1,495,102 Transport, 11.4%/ Communication, 2.3% Oil & Gas: Upstream, 11.3% Power, 9.7% Manufacturing, 17.4% Gen. Commerce, 9.0% 23 23 www.fidelitybank.ng

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