I&M Rwanda H1 2022 Earnings Presentation

Business Highlights | Delivered strong half-year results 00Û Growth Profitability Strength . Customer base: +62 K, up by 31% YoY. Customer deposits of RWF 352Bn, up by 8% YTD. Loan book of RWF 237Bn, up by 7% YTD. Revenue growth: Net Interest Income +17% YoY and Non-funded Income +35% YoY. • Headline earnings +16% YoY. Cost discipline leading to an efficiency ratio of 57.8% Profit before tax of RWF 6.5 Bn: +25% YoY NPL Ratio of 1.58% Strong capital adequacy position: Tier I CAR of 17.36%; Tier II of 19.35% Healthy funding & liquidity positions: LCR of 170% I&M Rwanda - H1 2022 Earnings Presentation

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