I&m Group Plc · NSEKE:IMH

I&m — I&M Bank (Rwanda) — Q1 2021 Earnings Presentation

13 slides from I&m's earnings presentation, Jun 2, 2021

  1. Slide 1: Q1 2021 Results

    Q1 2021 Results Investor Presentation 02 June 2021

  2. Slide 2: Table of contents

    Table of contents Part 1. Business Highlights Part 2. Financial Highlights & Trend Analysis Part 3. Business Review & Strategy Part 4. Disclaimer & Forward-looking statements

  3. Slide 3: Business Highlights: Q1 2021 Financial highlights

    Part 1. Business Highlights Q121 Financial highlights PBT of Rwf 2.5Billion, up by 7% YoY. Rwf 8bn Operating Income Total Income up by 12% to Rwf 8.04Billion YoY. 62% Cost: income ratio Prudent position on credit provisioning Rwf 508Mn Impairment charge Strong funding position, with total deposits g

  4. Slide 4: Part 2: Financial Highlights & Trend Analysis

    Part 2 Financial Highlights & Trend Analysis

  5. Slide 5: Income Statement Highlights

    Part 2. Income Statement Highlights RWF Billions Mar-20 Mar-21 YoY var. Notes • Non-Interest Revenue growth decrease Net Interest Income 5.593 6.656 19% reflecting a general slowdown in business transaction volumes. • The Bank maintained a prudent stance on Non-Funded Income 1.589 1.387 -13% impairm

  6. Slide 6: Financial Highlights – Balance Sheet

    Part 2. Financial Highlights – Balance Sheet * Exchange rate: USD 1 = RWF Rwf ‘Billions Mar-20 Dec-20 Mar-21 var. Dec-20 979.282203 (BNR, 31st March 2021) Loans & Advances 201.2 205.2 211.7 3% Financial Investments 55.9 100.9 102.4 2% Other Assets 90.9 111.1 160.6 45% Total Assets 348.0 417.2 474.7

  7. Slide 7: Capital & Liquidity position

    Part 2. Capital & Liquidity position Capital Adequacy Ratio Liquidity Coverage Ratio 350 22.00% 600% 313 542% 297 300 491% 21.00% 500% 250 241 19.23% 20.00% 400% 200 19.00% 300% 150 19.65% 229% 18.00% 200% 100 18.27% 50 17.00% 100% 0 16.00% 0% Dec-19 Dec-20 Mar-21 Dec-19 Dec-20 Mar-21 Risk Weighted

  8. Slide 8: Ratio Analysis

    Part 2. Ratio Analysis Dec-20 Mar-21 Liquidity Coverage Ratio, % 541 491 Cost/ Income Ratio, % 57.9 62.1 NPL Ratio, % 3.51 3.51 (*) March-21 computed on annualized PAT Return on Equity % 11.0 11.79* against the average equity. (*) March-21 computed on annualized PAT Return on Assets % 1.39 1.49* aga

  9. Slide 9: Part 3: Business Review & Strategy

    Part 3 Business Review & Strategy

  10. Slide 10: Strategy & Performance drivers Q1-2021

    Strategy & Performance drivers Q1-2021 Driving Business Growth Key sales achievements • Introduction of Bancassurance as a new • Grew the loan book by 6% driven by big ticket deals, business line and maintained Retail growth trajectory by 37% vis- • Introduction of push & pull charges a-vis pre pand

  11. Slide 11: Part 4: Disclaimer & Forward-Looking Statements

    Part 4 Disclaimer & Forward-Looking Statements

  12. Slide 12: Disclaimer

    Disclaimer The contents herein have been presented in good faith. The information, statements and opinions set out in this presentation and subsequent discussion do not constitute a public offer for the purposes of any applicable law or an offer to sell or solicitation of any offer to purchase any s

  13. Slide 13: Thank you

    Thank you I&M Bank (Rwanda) PLC KN 03 Ave, 9 P.O. BOX 354 Kigali, Rwanda E: INVEST@IMBANK.CO.RW T: + 250 788 16 2040

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