2021 Earnings Presentation
Rwanda - Banking sector overview
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Sector review
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Banking sector assets recorded growth of 17% YoY in Dec 2021
to RWF 5,064Bn (RWF 4,310Bn in Dec 2020).
Customer deposits increased to RWF 3,087Bn, a 17% YoY
growth from the Dec 2020 levels.
The industry remains well-capitalized and liquid, with an
aggregate Tier 1 & Tier 2 CAR of 20.6% and 21.5%
respectively, while LCR position was 268.9% (Dec 2021).
Credit risk slightly improved with NPL ratio of 4.6% (Dec-2021)
supported by improving macroeconomic conditions.
Profitability indicators as of end Dec 2021 stood at 2.5% and
15.0% for the Return on Average Assets and Return on
Average Equity respectively.
Source:
BNR, Financial sector statistics
459
1,579
1,723
2,685
514
1,778
1,965
3,091
620
1,995
2,190
3,476
714
2,383
2,647
4,310
849
2,714
3,087
5,064
Dec-17
Dec-18
Dec-19
Dec-20
Dec-21
■ Shareholder Equity Loans & Advances Total Deposits Total Assets
I&M Rwanda - 2021 Earnings Presentation
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