Investor Briefing - FY & Q4 2019

Rwf 'Billions i&MBank IPLC FINANCIAL OVERVIEW - BALANCE SHEET 24 24 94 2015 CAGR 5YEAR - 137 147 172 30 111 161 176 206 35 148 209 225 260 KENYA TANZANIA RWANDA MAURITIUS 169 231 239 294 2016 2017 2018 2019 Shareholders Equity ■Net Loans ■Total Deposits ■Total Liabilities ■Total Assets 40 40 Loan-to-Deposit Ratio 300 75% 76% 250 73% 200 71% 15 16 17 150 69% 69% 100 50 1 74% 72% 70% 68% 0 66% 2015 Total Deposits Net Loans Total Assets 2016 Net Loans 2017 2018 2019 Total Deposits LDR I&M Rwanda - Investor Briefing - FY & Q4 2019 12 43 172 243 275 318

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