2021 Earnings Presentation

Outlook: What Success will look like in 2022 70,000 Customers Portfolio structure 52% Active customers on digital channels: from 70% to 73% USD 5.5 Mn PBT: Fees & Commission Income USD 13Mn Card uptake: from 55% to 66% TNR Market share 10.9% 33% Retail 8% ISME Return on Equity Corporate 15% I&M Rwanda - 2021 Earnings Presentation Dormancy: from 25% to 15% NFR Ratio: from 31% to 33% 13% 12% 2020 2021 2022 14

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