Fidelity Financial Review & Guidance

Overview Operating Environment Financial Review Guidance Deepening strong growth in NII and customer reach through Digital Banking Mobile/Online Customers # 21.5% YTD > 3.6m+ 7,659 Debit Cardholders # 14.6% YTD >2.7m+ 835 > 40k ATM # 0.7% YTD POS # 183.7% YTD NIP Value (N'bn) 72% 13,148 Mkt Share 2020FY 2021 FY POS Value (N'bn) 219 -5% Mkt Share 479 119% 2020FY 2021FY -7% E-Banking Transaction #'Mn 161.1 63.6% % Total Trnx 263.6 90% 2020FY 2021FY % E-Banking Income to NIR 22.6% NIR excludes losses from fin. Instruments & Fee Expense 80

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