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Investor Presentation HY 2020

I&M Bank Ltd, Kenya - Financial highlights Highlights June 2020 Vs June 2019 Reported PBT 2019: 4.9bn 2020: 4.5bn Net Revenue 2019: 9.0bn 2020: 8.6bn Cost/Income 2019: 35% 2020: 35% Fee/Income 2019: 34% 2020: 39% Loans/Deposits 2019: 68% 2020: 68% Gross NPL Ratio 2019: 13% 2020: 11% Figures in Kenyan Shillings I&M HOLDINGS Assets (Kshs Bn) Loans (Kshs Bn) 137.3 +6% Jun-19 253.6 +7% Jun-19 146.1 Jun-20 272.3 Jun-20 Equity (Kshs Bn) Deposits (Kshs Bn) 201.8 +6% Jun-19 214.1 Jun-20 +14% 48.0 42.1 Jun-19 Jun-20 17

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