2021 Earnings Presentation
Well-funded, diversified and highly liquid balance sheet (large % contribution
from deposits from customers & banks)
RWF Billion
Dec-21
Dec-20
Dec-19
% Var.
Dec-20
Credit Quality indicators
Dec-21
Dec-20
Dec-19
Loans & Advances
222.4
205.2
171.9
8%
Financial Investments
91.5
100.9
48.5
-9%
NPL Ratio
3.45%
3.51%
2.56%
Other Assets
153.0
111.1
97.5
38%
Total Assets
466.9
417.2
317.9
12%
Deposits from customers
266.5
248.4
191.8
7%
Deposits from Banks
60.4
49.8
51.6
21%
Borrowings
Other Liabilities
Shareholders' Equity
61.0
49.1
22.6
24%
16.8
15.4
9.1
9%
62.2
54.5
42.8
14%
Loans & advances reflects refocused
business environment.
Borrowings increased following the
release of the second tranche of USD 10Mn
with development bank.
Shareholder's Equity boosted driven by
the increase in profit after tax realized in
2021.
Total Liability & Equity
466.9
417.2
317.9
12%
I&M Rwanda - 2021 Earnings Presentation
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