Investor Presentaiton

Uganda: Continued focus on integration to gear business for growth opportunities P&L (Kshs Mn) Operating Income 1,042 +63%* 645 425 Loan Loss Provision PBT +363%* 436 Dec-21 Q1 2022 Dec-21 -375 Q1 2022 -596 Dec-21 Q1 2022 *Annualised Growth I&M Uganda became part of the Group from Q2 2021 (hence no comparative data for Q1 2021); Key Ratios Q1 2022 Dec-2021 ✓ Income growth in Q1 2022 supported by both increase in funded and non-funded income as well as a decline in interest expense; Efficiency Ratio (CTI) 85.7% 95.3% ✓ Cost rationalization measures post acquisition continue yielding desired results for the business; ROE -24.5% ROA -1.7% ✓ Drop in loan loss provisions on account of recoveries

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