I&M Rwanda H1 2022 Earnings Presentation
Well-funded, diversified, and highly liquid balance sheet (large % contribution
from deposits from customers & other financial institutions)
Rwf 'Billions
Jun-22
Dec-21
Dec-20
% Var.
Dec-21
Credit Quality indicators
Jun-22
Dec-21
Dec-20
222.4
205.2
7%
Loans & Advances
237.1
Financial Investments
113.3
91.5
100.9
24%
NPL Ratio
1.58%
3.45%
3.51%
Other Assets
146.0
153.0
111.1
-5%
Total Assets
496.5
466.9
417.2
6%
Deposits from customers
300.3
266.5
248.4
13%
Key take-aways
•
Deposits from Banks
51.8
60.4
49.8
-14%
.
Borrowings
59.6
61.0
49.1
-2%
Other Liabilities
18.3
16.8
15.4
9%
Deposit liabilities increased on the back
of growth in customer base by 31% YoY
Loans & Advances reflects refocused
business environment & improvement in
credit quality.
66.5
62.2
54.5
7%
Shareholders' Equity
Total Liability & Equity
496.5
466.9
417.2
6%
I&M Rwanda - H1 2022 Earnings Presentation
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