Investor Presentaiton

Retail Banking Analysis (Personal Banking) ▸ Savings deposits grew by 4.1% and now represent 25.2% of total deposits from 25.0% in 2020FY. ▸ Savings deposits accounted for 32.9% of the growth in total customer deposits from 25.2% in 2020FY, which has continued to reflect on retail deposits growth. ► Growth was as a result of the disciplined execution of our retail banking strategy and improved cross-selling of our digital products. ► Retail assets increased by 2.1% YTD. We expect an increase in subsequent quarters as business activities improve further. Savings Deposits Trend N'billion 23.1% 25.9% 25.7% 25.0% 25.2% 441.6 424.4 385.1 363.9 312.1 Q1 2020 H1 2020 ■Savings Deposits 9M 2020 2020FY Q1 2021 1% Share of Total Deposits Retail Assets Trend N'billion 4.1% 4.0% 4.0% 40.7% 38.8% 3.8% 38.0% 3.6% Retail Low Cost Deposits N'billion 37.7% 41.8% 50.4 507.3 524.5 51.2 53.0 53.4 54.5 468.0 446.9 395.1 www.fidelitybank.ng Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 Q1 2020 H1 2020 9M 2020 2020FY Q1 2021 ■Retail Deposits ■% Share of Low Cost Deposits ■Retail Assets ■% Share of Total Loan Book 20 20

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