2021 LOSS RATIO PER SCHEME

SCHEME NAME Paid Claims/group credit&Mortgage Premiums

AB BANK - 22,855,095
ACCESS BANK 12,121,644 21,504,558
BANK OF AFRICA RWANDA LTD 79,386,983 166,983,227
BANK OF KIGALI - 330,546,038
BPR (PART OF ATLAS MARA) 134,965,414 386,731,911
CLECAM - EJO HEZA 419,052 6,236,150
COGEBANQUE PLC 2,448,253 171,768,061
COOPEC INKUNGA 63,687 10,941,107
COOPEDU - 19,100,221
CRANE BANK/NCBA - 26,249,574
ECOBANK - 16,283,113
EQUITY BANK 216,721,923 487,341,419
GT BANK - 37,792,406
I&M BANK (RWANDA) LIMITED 299,918,907 405,061,935
IMF DUTERIMBERE 10,985,834 24,544,290
KCB BANK (RWANDA) PLC 81,859,787 214,488,840
LETSHEGO RWANDA LIMITED 70,124,857 12,566,861
RIM 11,280,400 46,084,704
SAGER GANZA 4,935,212 4,246,804
UMUTANGUHA FINANCE COMPANY P 7,740,215 18,241,847
UMWALIMU SACCO 136,278,308 3,654,518
UNGUKA BANK 5,246,624 54,174,713
URWEGO BANK PLC 40,377,927 142,944,321

Grand Total 1,114,875,027 2,630,341,713

OVERALL LOSS RATIO PER SCHEME OVER 2 YEARS AND SIX MONTHS, 2021-202306

SCHEME NAME Paid Claims 2021-202306 Premium Income 2021-202306

AB BANK 14,951,490 72,793,614
ACCESS BANK 12,121,644 105,208,335
BANK OF AFRICA RWANDA LTD 81,199,649 508,233,007
BPR (PART OF ATLAS MARA) 314,352,090 1,135,849,894
CLECAM - EJO HEZA 8,146,949 46,573,011.00
COGEBANQUE PLC 11,621,303 449,372,573
COOPEC INKUNGA 3,977,489 20,559,006
COOPEDU - 93,307,449
CRANE BANK/NCBA 93,934,867 122,868,459
ECOBANK 2,792,261 47,269,065
EQUITY BANK 482,470,824 1,418,870,065
GT BANK 3,688,320 96,634,835
I&M BANK (RWANDA) LIMITED 835,262,444 1,055,386,758
IMF DUTERIMBERE 12,910,839 84,442,621
KCB BANK (RWANDA) PLC 237,805,148 676,405,145
LETSHEGO RWANDA LIMITED 127,863,821 109,797,656
RIM 32,284,119 140,132,962
SAGER GANZA 5,157,436 8,899,317
UMUTANGUHA FINANCE COMPANY P 54,180,773 118,845,076
UNGUKA BANK 17,281,773 148,684,286
URWEGO BANK PLC 101,835,533 425,256,256
BANK OF KIGALI 60,500,859 1,675,586,795

GRAND TOTAL 2,514,339,631 8,560,976,185

140%

120%

SCHEME NAME Loss Ratio

100%
AB BANK 21%
ACCESS BANK 12%
80%
BANK OF AFRICA RWANDA LTD 16%
BPR (PART OF ATLAS MARA) 28%
60%
CLECAM - EJO HEZA 17%
COGEBANQUE PLC 3%
COOPEC INKUNGA 19% 40%

COOPEDU 0%
CRANE BANK/NCBA 76% 20%
28%
ECOBANK 6% 21% 17
12% 16%
EQUITY BANK 34% 0%
GT BANK 4%
I&M BANK (RWANDA) LIMITED 79%
IMF DUTERIMBERE 15%
KCB BANK (RWANDA) PLC 35%
LETSHEGO RWANDA LIMITED 116%
RIM 23%
SAGER GANZA 58%
UMUTANGUHA FINANCE COMPANY P 46%
UNGUKA BANK 12%
URWEGO BANK PLC 24%
BANK OF KIGALI 4%
 2022 LOSS RATIO PER SCHEME
Loss Ratio SCHEME NAME Paid Claims/group
0% AB BANK(RWANDA) LIMITED 12,472,246
56% ACCESS BANK PLC -
43% BANK OF KIGALI 26,608,856
BANK OF AFRICA (RWANDA) PLC 1,338,442
35% BPR (PART OF ATLAS MARA) 131,988,817
7% CLECAM - EJO HEZA 5,829,568
1% COGEBANQUE PLC 9,173,050
1% COOPEC INKUNGA 3,913,802
0% COOPEDU -
0% CRANE BANK /NCBA 93,934,867
0% ECOBANK RWANDA PLC 2,792,261
44% EQUITY BANK 182,280,255
0% FISA COMPANY LTD 2,769,588
74% GT BANK(RWANDA) PLC 1,971,376
45% I&M BANK (RWANDA) LIMITED 340,654,455
38% IMF DUTERIMBERE 1,925,005
558% KCB BANK (RWANDA) PLC 93,818,036
24% LETSHEGO RWANDA LIMITED 15,836,122
116% RIM 8,504,790
42% SAGER GANZA 222,224
3729% UMUTANGUHA FINANCE COMPANY PLC 45,205,759
10% UMWALIMU SACCO 86,842,647
28% UNGUKA BANK 9,197,116
URWEGO BANK PLC 47,253,095

42% GRAND TOTAL 1,124,532,377

2021-202306

Loss Ratio
21%
12%
16%
28%
17%
3%
19%
0%
76%
6%
 34%
4%
79%
15%
35%
116%
23%
58%
46%
12%
24%
4%

29%

% 116%

% 76% 79%
58%
% 46%
34% 35%
28% 23% 24%
21% 17% 19%
12% 16% 6%
15% 12%
% 3% 0% 4% 4%
SCHEME 2023 LOSS RATIO PER SCHEME
Premiums Loss Ratio SCHEME NAME Paid Claims/grouPremiums
35,976,276 35% AB BANK 2,479,244 13,962,243
45,188,362 ACCESS BANK 38,515,415
741,161,580 4% BANK OF KIGALI 33,892,003 603,879,177
205,746,894 1% BANK OF AFRICA 474,224 135,502,886
533,207,764 25% BPR (PART OF ATLAS MARA) 47,397,859 215,910,219
25,856,954 23% COGEBANK 92,498,073
185,106,439 5% COOPEC UBAKA 4,575,791.00
9,617,899 41% COOPEDU 15,454,335.00
58,752,893 DUTERIMBERE 25,534,965
63,726,537.00 0% ECOBANK 13,692,692
17,293,260 16% EJO HEZA 1,898,329 14,479,907.00
505,069,037 36% EQUITY BANK 83,468,646 426,459,609
4,440,691 62% GT BANK 1,716,944 32,729,231
26,113,198 8% I&M BANK (RWANDA) LIMITED 194,689,082 220,652,186
429,672,637 79% KCB BANK(RWANDA)PLC 62,127,325 149,638,661
34,363,366 6% LETSHEGO 41,902,842 20,241,106
312,277,644 30% RIM 12,498,929 35,551,470
76,989,689 21% UMUTANGUHA 1,234,799 37,628,738
58,496,788 15% UNGUKA BANK 2,838,033 28,095,204
4,652,513 5% URWEGO BANK PLC 14,204,511 98,092,017
62,974,491 72% NCBA 32,892,348
266,351 32605% FISA 2,269,275
66,414,369 14%
184,219,918 26%

3,687,585,550 30% GRAND TOTAL 416,579,440 2,258,255,548

1000000
338442
1338442
 24%
2%
4%
E
Loss Ratio
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

18%
BANK NAME Row Labels
EQUITY BANK
RETREACHMENT RIDER - GDE
2019
2020
2021
EQUITY BANK
2022
SINISTRE/INVALIDITE TOTAL - GDE
2014
2021
2022
I&M BANK (RWANDA) LIMITED
PPD RIDER - GROUP LIFE
2020
RETREACHMENT RIDER - GDE
2015
2016
2019
I&M BANK (RWANDA) LIMITED 2020
2021
2022
SINISTRE/INVALIDITE TOTAL - GDE
2018
2020
2021
2022
KCB BANK (RWANDA) PLC
SINISTRE/INVALIDITE TOTAL - GDE
2022
KCB BANK (RWANDA) PLC 2016
RETREACHMENT RIDER - GDE
2022
2023
LETSHEGO
SINISTRE/INVALIDITE TOTAL - GDE
LETSHEGO 2022
UMUTANGUHA FINANCE COMPANY PLC
FUNERAL FEES RIDER - GROUP LIFE
UMUTANGUHA FINANCE COMPANY PLC 2021
SINISTRE/INVALIDITE TOTAL - GDE
2020
NCBA
SINISTRE/INVALIDITE TOTAL - GDE
NCBA
NCBA 2021
Sum of AMOUNT5 Count
83,468,646.00 54
13,813,500 47
2,763,556 6
5,367,676 22
4,563,901 16
1,118,367 3
69,655,146 7
9,349,066 1
24,298,232 2
36,007,848 4
194,689,082 461
3,421,071 1
3,421,071 1
145,020,440 452
2,943,846 10
2,015,502 11
5,812,660 24
73,554,785 202
47,845,938 182
12,847,709 23
46,247,571 8
6,535,496 1
17,751,612 4
16,838,617 2
5,121,846 1
62,127,325.00 23
58,341,012 5
53,919,069 4
4,421,943 1
3,786,313 18
2,771,065 12
1,015,248 6
41902842 1
41,902,842.00 1
41,902,842.00 1
1,234,799 4
500,000 1
500,000 1
734,799 3
734,799 3
93,934,867.00 1
93,934,867.00 1
93,934,867.00 1