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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 āœ“ 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%
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