Investor Briefing - FY & Q4 2019

i&MBank IPLC RECENT DEVELOPMENTS OUR CARDS & DIGITAL OFFERING • The first multi-currency travel card in Rwanda - MasterCard Automated Deposit-taking machines & Mobile ATM MSME VALUE PROPOSITION - END-TO-END REVIEW Customer value propositions . • Products • Business model & Sales strategy • Credit Risk Management KENYA TANZANIA RWANDA MAURITIUS HOTEL & TOURISM . Partnership initiative with focus to increase employment opportunities for young people while expanding the Tourism & Hospitality sector in Rwanda SPENN >250k sign-ups • • +7000 Business registered to-date • Average +300Mn transaction volume . Average 250K transaction count per month I&M Rwanda - Investor Briefing - FY & Q4 2019 16

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