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I&M Holdings PLC Financial Overview and Strategic Outlook

Sectorial Distribution of Loans & Advances 27% 26% 19% 19% 18% 18% 10% 9% 9% 8% 7% 7% 7% 5% 3% 2% 2% 2% 1% 1% 0% 0% Wholesale and Manufacturing Real estate Others retail trade Building and construction Transport and communicatio n Business services Agriculture Finance and insurance Mining and quarrying Electricity and water Dec-19 ■Dec-20 27% 26% 18% 19% 10% 9% 5% 7% 2% 2% 1% 0% 19% 18% 9% 8% 7% 7% 3% 2% 1% 0% The sectorial distribution comprises the 3 banking subsidiaries, I&M Bank Kenya Ltd, I&M Bank Tanzania Ltd & I&M (Rwanda) Plc Holdings 17 17

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