2021 Earnings Presentation

Key ratios reflects the business growth and tangible momentum behind our strategy execution. Dec-19 Dec-20 Dec-21 Return on Equity (ROAE), % 15.1 10.9 15.7 Return on Assets (ROAA), % 2.0 1.39 2.1 Earning per share, RWF 4.97 4.72 6.61 Liquidity Coverage Ratio, % 229 542 504 Cost/ Income Ratio, % Net Loans to Deposit Ratio, % I&M Rwanda - 2021 Earnings Presentation 64.7 57.1 62.1 70.6 68.8 68.0 8

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