2021 Earnings Presentation

Strong capital levels & liquidity Ratios Capital Adequacy Ratio 350 22.00% 600% 317 297 21.00% 300 20.75% 500% 19.65% 20.00% 241 250 18.27% 200 150 100 14.35% 50 16.45% Liquidity Coverage Ratio 542% 19.00% 400% 18.08% 18.00% 300% 17.00% 229% 16.00% 200% 15.00% 100% 14.00% 0 Dec-19 Dec-20 Dec-21 RWAS (RWF Bns) Tier 1 CAR Tier 2 CAR Regulatory requirement: Tier I CAR: 13% Tier II CAR: 15% I&M Rwanda - 2021 Earnings Presentation 504% 13.00% 0% Dec-19 Dec-20 Dec-21 ■LCR Regulatory requirement: LCR: minimum of 100% 7

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