2021 Earnings Presentation

Delivered a strong set of results in 2021, reflecting business momentum DOÛ Financials • Headline Earnings of RWF 53.4 Bn in 2021 (RWF 49.5 Billion in 2020). • Profit before tax of RWF 10.9 Bn: +40% YoY • Net Loans of RWF 222 Bn, + 8% YTD • Strategy • Risk Management • Improved NPL ratio of 3.45% driven by improvement in macro-economic conditions. Impairment provisions decreased by 69% YoY. Loan-loss provisions stood at RWF 1.7Bn. . Customer growth up by 25% YTD (SME: +64%, Corporate: +17%; Retail: +22%). Cost-to-income ratio of 62.1% • Improved Earnings Per Share of RWF 6.61 (from RWF 4.72 in 2020) Strong capital adequacy position: Tier I CAR of 18.08%; Tier II of 20.75% Healthy funding & liquidity positions: LCR of 504% Shareholder value: proposed dividend payment of RWF 1.2 per share for the year 2021, subject to AGM approval. I&M Rwanda - 2021 Earnings Presentation 4

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