I&M Rwanda H1 2022 Earnings Presentation

Strong capital levels & liquidity Ratios 350 340 19.65% 330 Capital Adequacy Ratio 20.75% Liquidity Coverage Ratio 22.00% 344 600% 542% 21.00% 500% 20.00% 317 19.35% 19.00% 400% 320 18.00% 16.45% 17.36% 310 18.08% 300% 17.00% 300 297 290 280 270 Dec-20 Dec-21 Jun-22 RWAS (RWF Bns) Tier 1 CAR Tier 2 CAR Regulatory requirement: Tier I CAR: 13% Tier II CAR: 15% I&M Rwanda - H1 2022 Earnings Presentation 16.00% 200% 15.00% 100% 14.00% 504% 170% 13.00% 0% Dec-20 Dec-21 Jun-22 ■LCR Regulatory requirement: LCR: minimum of 100% 10

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