Investor Presentaiton
Mauritius: Improved bottom-line sustained by loan loss recoveries
P&L (Kshs Mn)
PBT
274
+46%
188
Loan Loss Provision
46
Key Ratios
Q1 2022
Q1 2021
+250%
Efficiency Ratio (CTI)
74.4%
70.0%
ROE
Q1 2021
Q1 2022
Q1 2021
-69
Q1 2022
ROA
ā Profitability largely driven by recoveries as focus remains on reengineering the
balance sheet for future growth;
Operating expenses growth continues to be driven by digitization of the business
as part of the overall I&M Group strategy; Digital platform seeing good
momentum in growth;
Business has seen strong recoveries from specific loan book that had previously
come under distress, which reduced overall provisions
10.5%
7.2%
0.9%
0.5%
Key Ratios
Q1 2022
Q1 2021
Loan to Deposit Ratio
46.5%
39.2%
Net NPA
0.4%
2.1%
Total Capital / Total
Risk Weighted Assets
20.5%
18.8%
Liquidity Ratio
41.5%
54.7%View entire presentation