Investor Briefing - FY & Q4 2019

KENYA TANZANIA RWANDA MAURITIUS Important Notice & Forward-looking statements i&MBank IPLC This presentation is based on I&M Bank Rwanda Plc (the "Bank)'s reviewed financial results for the period ended 31 December 2019. The Bank has obtained some information in this presentation from sources it believes to be reliable. Although I&M Bank Rwanda Plc has taken all reasonable care to ensure that the information herein is accurate and correct, the Bank makes no representation or warranty, express or implied, as to the accuracy, correctness or completeness of such information. Furthermore, I&M Bank Rwanda Plc makes no representation or warranty, express or implied, that its future operating, financial or other results will be consistent with results implied, directly or indirectly, by such information or with I&M Bank Rwanda Plc's past operating, financial or other results. Any information herein is as of the date of this presentation and may change without notice. I&M Bank Rwanda Plc undertakes no obligation to update the information in this presentation. In addition, some of the information in this presentation may be condensed or incomplete, and this presentation may not contain all material information in respect of I&M Bank Rwanda Plc. This presentation also contains "forward-looking statements" that relate to, among other things, I&M Bank Rwanda Plc's plans, objectives, goals, strategies, future operations and performance. Such forward-looking statements may be characterized by words such as "estimates," "expects," "projects," "believes," "intends," "plans," "may," "will" and "should" and similar expressions but are not the exclusive means of identifying such statements. Such forward-looking statements involve known and unknown risks, uncertainties and other important factors that could cause I&M Bank Rwanda Plc's operating, financial or other results to be materially different from the operating, financial or other results expressed or implied by such statements. Although I&M Bank Rwanda Plc believes the basis for such forward-looking statements to be fair and reasonable, I&M Bank Rwanda Plc makes no representation or warranty, express or implied, as to the fairness or reasonableness of such forward-looking statements. Furthermore, I&M Bank Rwanda Plc makes no representation or warranty, express or implied, that the operating, financial or other results anticipated by such forward-looking statements will be achieved. Such forward-looking statements represent, in each case, only one of many possible scenarios and should not be viewed as the most likely or standard scenario. I&M Bank Rwanda Plc undertakes no obligation to update the forward-looking statements in this presentation. I&M Rwanda - Investor Briefing - FY & Q4 2019 24 24

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