Investor Briefing - FY & Q4 2019

i&MBank IPLC FINANCIAL OVERVIEW - INDUSTRY REVIEW As at 31 December 2019 CAR (Tier 2) NPL Ratio LCR NSFR Loan-to-Deposit ratio ROAE Source: BNR Statistics Department KENYA TANZANIA RWANDA MAURITIUS Industry I&M Bank Rwanda 24.1% 18.27% 4.9% 2.54% 215% 229% 111% 153% 95.2% 70.6% 12.5% 15.2% I&M Rwanda - Investor Briefing - FY & Q4 2019 13

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