Fidelity Bank Balance Sheet

Financials in millions NGN. Fiscal year is January - December.

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	1,541,659	1,323,194	707,450	364,177	300,345	219,253
Investment Securities	2,633,233	2,629,699	1,817,998	962,055	394,657	469,215
Trading Asset Securities	32,518	7,576	55,406	18,407	6,814	54,781
Total Investments	2,665,751	2,637,275	1,873,404	980,462	401,471	523,996
Gross Loans	4,879,431	4,502,285	4,584,120	3,236,442	2,196,830	1,742,725
Allowance for Loan Losses	-218,895	-218,766	-195,605	-143,970	-80,548	-74,131
Other Adjustments to Gross Loans	-5,495	-1,831	-1,407	-53	-70	-10,182
Net Loans	4,655,041	4,281,688	4,387,108	3,092,419	2,116,212	1,658,412
Property, Plant & Equipment	183,915	207,212	81,626	50,652	44,456	40,919
Goodwill	10,561	10,561	11,443	8,656	-	-
Other Intangible Assets	95,177	50,439	20,380	10,341	4,023	3,968
Other Receivables	422,858	233,709	126,162	-	98,993	38,259
Restricted Cash	1,712,562	1,650,910	1,586,350	1,174,398	863,090	686,097
Other Current Assets	26,185	27,235	18,451	-	5,259	611
Long-Term Deferred Tax Assets	33,095	33,095	5,305	23,771	5,306	-
Other Long-Term Assets	7,496	8,497	4,058	529,812	149,854	108,939
Total Assets	11,354,300	10,463,815	8,821,737	6,234,688	3,989,009	3,280,454
Accounts Payable	987,242	627,364	461,774	391,476	202,980	21,145
Accrued Expenses	5,985	4,565	7,677	12,055	3,164	1,014
Interest Bearing Deposits	5,029,745	4,898,786	4,181,130	2,362,544	1,718,172	1,388,035
Non-Interest Bearing Deposits	2,350,934	1,992,123	1,755,934	1,652,267	862,425	636,768
Total Deposits	7,380,679	6,890,909	5,937,064	4,014,811	2,580,597	2,024,803
Short-Term Borrowings	194,805	194,376	-	48,810	1,208	425
Current Portion of Long-Term Debt	-	778,944	200,663	308,427	55,427	22,863
Current Income Taxes Payable	151,799	139,463	113,910	26,835	8,446	3,523
Other Current Liabilities	8,249	8,018	7,813	53,231	62,490	54,838
Long-Term Debt	867,916	110,006	728,932	219,791	206,039	445,550
Long-Term Leases	383	2,225	3,077	2,411	525	-
Long-Term Deferred Tax Liabilities	-	-	727	22,905	5,629	-
Other Long-Term Liabilities	370,944	620,357	462,226	696,629	548,144	420,999
Total Liabilities	9,968,002	9,376,227	7,923,863	5,797,381	3,674,649	2,995,160
Common Stock	31,587	25,100	25,100	16,000	14,481	14,481
Additional Paid-In Capital	501,013	280,455	280,455	113,705	101,272	101,272
Retained Earnings	733,114	658,643	478,949	247,243	168,588	134,897
Comprehensive Income & Other	120,584	123,390	113,370	60,359	30,019	34,644
Shareholders' Equity	1,386,298	1,087,588	897,874	437,307	314,360	285,294
Total Liabilities & Equity	11,354,300	10,463,815	8,821,737	6,234,688	3,989,009	3,280,454
Total Debt	1,063,104	1,085,551	932,672	579,439	263,199	468,838
Net Cash (Debt)	511,073	245,219	-169,816	-196,855	43,960	-194,804
Net Cash Growth	-18.60%	-	-	-	-	-
Net Cash Per Share	8.09	4.88	-4.06	-6.16	1.52	-6.73
Filing Date Shares Outstanding	63,174	63,174	50,200	32,000	28,963	28,963
Total Common Shares Outstanding	63,174	50,200	50,200	32,000	28,963	28,963
Book Value Per Share	21.94	21.67	17.89	13.67	10.85	9.85
Tangible Book Value	1,280,560	1,026,588	866,051	418,310	310,337	281,326
Tangible Book Value Per Share	20.27	20.45	17.25	13.07	10.72	9.71