2021 Earnings Presentation

Proven continuous growth across key financial metrics 5-Year Financial Highlights (Rwf 'Billions) 35.1 39.6 42.8 Equity Loan-to-Deposit Ratio 54.5 62.2 Loans & Advances 2017 2018 2019 2020 2021 73% 72% 71% 69% 68% I&M Rwanda - 2021 Earnings Presentation Total Deposits Total Assets NPL Ratio 2.50 2.53 2.54 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 3.51 3.45 21

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