I&M Rwanda H1 2022 Earnings Presentation

Key ratios reflects the business growth and tangible momentum behind our strategy execution. Dec-20 Dec-21 Jun-22 Return on Equity (ROAE), % 10.9 15.7 13.1* Return on Assets (ROAA), % 1.39 2.1 1.8* Liquidity Coverage Ratio, % 542 504 170 Cost/ Income Ratio, % 57.1 62.1 57.8 Net Loans to Deposit Ratio, % 68.8 68.0 67.4 Tier I Capital Adequacy Ratio, % 16.45 18.08 17.36 Tier II Capital Adequacy Ratio, % 19.65 20.75 19.35 Earnings Per share, RWF *June-2022 data computed based on annualized PBT I&M Rwanda - H1 2022 Earnings Presentation 4.72 6.61 5.60 11

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