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I&M Holdings PLC Financial Overview and Strategic Outlook

Consolidated Loans & Advance and NPLs Gross NPLS 21,310 +11% Interest on Advances Coverage Ratio -2% 22,364 21,885 59% 67% 23,595 Dec-19 Dec-20 Dec-19 Dec-20 Loan Loss Provisions Dec-19 Dec-20 636 Gross NPA 11% 12% Cost of Risk +289% 2,473 1.2% 0.3% Net NPA 5% 4% Dec-19 Dec-20 Dec-19 Dec-20 M Holdings 21

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