2021 Earnings Presentation

Disclaimer & Forward-looking statements The contents herein have been presented in good faith. The information, statements, and opinions set out in this presentation and subsequent discussion do not constitute a public offer for the purposes of any applicable law or an offer to sell or solicitation of any offer to purchase any securities or other financial instruments or any advice or recommendation in respect of such securities or other financial instruments. The information contained in this presentation and subsequent discussion, which does not purport to be comprehensive nor render any form of financial or other advice, has been provided by the Bank and has not been independently verified by any other party. No responsibility, liability or obligation (whether in tort, contract, or otherwise) is accepted by the Bank or any of its officers, employees, agents or advisers as to or in relation to this presentation and any, subsequent discussions (including the accuracy, completeness or sufficiency thereof) or any other written or oral information made available or any errors contained therein or omissions therefrom, and any such liability is expressly disclaimed. This presentation and subsequent discussion may contain projections, estimates, forecasts, targets, opinions, prospects, results, returns and future financial outlook with respect to the financial condition, results of operations, capital position and business of the Bank. Any such future outlook may involve significant assumptions and subjective judgments which may or may not prove to be correct and there can be no assurance that any of the matters set out are attainable, will actually occur or will be realized or are complete or accurate. The assumptions may prove to be incorrect and involve known and unknown risks, uncertainties, contingencies and other important factors, many of which, are outside the control of the Bank. Any such future outlook is based on the beliefs, expectations and opinions of the Bank at the date the statements are made, and the Bank does not assume, and hereby disclaims, any obligation or duty to update, revise or supplement them if circumstances or management's beliefs, expectations or opinions should change. The Financial results of the Bank can be sourced from the link: https://www.imbankgroup.com/rw/about-us/annual-reports/ I&M Rwanda - 2021 Earnings Presentation 3

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