I&M Holdings PLC Financial Overview and Strategic Outlook slide image

I&M Holdings PLC Financial Overview and Strategic Outlook

Economic Review - Rwanda GDP 2020 GDP is estimated to have contracted by 0.2% and is projected to recover to 5.7% GDP growth in 2021. This recovery is expected to be driven by improvements in the business environment and investment in major growth sectors². Economic Outlook • • The implementation of the African Continental Free Trade Area is expected to boost intraregional trade, which will support growth-especially if Rwanda increases its share of intraregional exports On the downside, simmering regional political tensions and a resurgence of the COVID-19 virus could result in trade disruptions¹. Source: afdb ¹Rwanda Economic Outlook. 2IMF Country Report January 2021 M Policy Measure on Impact of Pandemic % $ Demand for new loans dropped by 9 percent y/y in 2020H1, but private sector credit continued to grow, supported by loan restructuring. Headline inflation declined to 7.2 percent y/y in October, driven by a decrease in public transport fares and moderation of food inflation². Banking Sector Banks' non-performing loans (NPLs) ratio stood at 5.2 percent at end-September, only slightly above the regulatory benchmark, as they restructured 45 percent of their loan portfolio². Holdings 31
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