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Investor Presentaiton

Kenya - Growth trajectory in line with strategic initiatives Balance Sheet (Kshs Mn) 282,856 Total Assets +10% 310,788 Net Loans & Advances 153,730 +8% 166,148 Customer Deposits 212,868 +11% 235,474 Q1 2021 Q1 2022 Q1 2021 Q1 2022 Q1 2021 Q1 2022 āœ“ Total Assets growth supported by both increase in Loan and Advances portfolio and investments in Government Securities during the quarter; 8% increase in Loans and Advances supported by the continued improvement in economic activity across all sectors; Continued focus on deposit mobilization especially through its digital channels following the launch of its app and web platform I&M On the Go (OTG); Strong capital and liquidity ratios 0 10 Key Ratios Q1 2022 Q1 2021 Loan to Deposit Ratio 70.6% 72.2% Net NPA 2.7% 5.2% Total Capital / Total Risk Weighted Assets 20.8% 21.6% Liquidity Ratio 47.1% 48.3%
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