Investor Briefing - FY & Q4 2019

i&MBank IPLC KENYA TANZANIA RWANDA MAURITIUS FINANCIAL OVERVIEW - INCOME STATEMENT Rwf 'Billions Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 CIR 67% Net Interest Income 11.3 13.9 17.5 20.2 21.9 64% 61% Fees &Commissions 3.3 3.1 2.7 2.4 2.2 58% 58% Total Revenue* 19.9 21.4 23.5 25.7 27.4 Total OPEX (12.7) (12.9) (13.7) (14.9) (18.4) 2015 2016 2017 2018 2019 4.9 5.8 6.5 7.5 6.1 CIR PAT *Total Revenue after LLP CAGR 5YEAR - 18 Net Interest Income - 8 10 Total Revenue Total OPEX Note on the increase in C.I.R: - Re-engineering cost Additional amortization cost (Core Banking system) I&M Rwanda - Investor Briefing - FY & Q4 2019 11

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