Focus on Digitalization and Revenue Diversification
Well-funded, diversified and highly liquid balance sheet (large % contribution from
customer deposits)
RWF Billion
June-21 Dec-20
June-20
% Var.
Dec-20
Credit Quality indicators
June-21
Dec-20
Loans & Advances
210.2
205.2
206.4
2%
NPL Ratio
3.95%
3.51%
Financial Investments
96.6
100.9
59.5
-4%
Other Assets
122.7
111.1
92.0
10%
Total Assets
429.4
417.2
357.9
3%
Customer Deposits
303.2
298.3 275.9
2%
Borrowings
48.3
49.1
23.8
-2%
Other Liabilities
20.0
15.4
13.1
30%
Shareholders' Equity
57.9
54.5
45.1
6%
Balance sheet size has increased YoY by
Rwf 71Bn driven by increased investments
of excess liquidity in high yield securities.
Loans & advances reflects refocused
business environment and element of de-
risking.
Shareholder's Equity increase following
Rwf 7.8Bn capital injection by way of Rights
Issue.
Total Liability & Equity
429.4
417.2
357.9
3%
9View entire presentation