Total outstanding consumer loans at year-end 2025 stood at $2.207bn, just shy of $2.553bn for mortgages, with the former having rebounded quicker after COVID. However, Fidelity Bank (Bahamas) suggested that its tactic of targeting, and recovering, delinquent loans previously written-off is starting to bear fruit. “The expense for provision for loan losses for the active loan portfolio was consistent with that observed in the two years immediately prior to the global pandemic. “As of December 31, 2025, the provision for loan losses totalled $15.191m, which represented 4.22 percent of total loans and advances to customers, excluding accrued interest. The former figure represented 55.19 percent of total non-performing loans and advances to customers.