Earnings release
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BK Group Plc – H1 2026 – Press Release BK Group Plc Half-Year 2026 Results Release Date: 31 August 2026
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BK Group Plc – H1 2026 – Press Release Reviewed consolidated financial results for the six months ended 30 June 2026 H1 2026 H1 2025 Change Profit & Loss (Year on Year) FRW (bn) US$ (mln) KES (bn) FRW (bn) US$ (mln) KES (bn) FRW US$ KES Total Operating Income 152.0 103.4 13.4 131.5 92.1 11.9 15.6% 12.2% 12.4% Total Recurring Operating Costs 52.9 36.0 4.7 47.8 33.5 4.3 10.6% 7.4% 7.6% Pre-Provision Operating Profit 99.1 67.4 8.7 83.7 58.6 7.6 18.4% 14.9% 15.2% Net Income 56.4 38.3 5.0 51.9 36.4 4.7 8.6% 5.4% 5.6% H1 2026 H1 2025 Change Balance Sheet (Year to Date) FRW (bn) US$ (mln) KES (bn) FRW (bn) US$ (mln) KES (bn) FRW US$ KES Total Assets 2,984.5 2,029.2 262.8 2,900.5 1,989.3 256.4 2.9% 2.9% 2.9% Net Loans and Advances 1,660.1 1,128.7 146.2 1,682.5 1,153.9 148.7 (1.3%) (1.3%) (1.3%) Client Balances & Deposits 2,105.4 1,431.5 185.4 1,884.4 1,292.4 166.6 11.7% 11.7% 11.7% Total Liabilities 2,441.1 1,659.7 214.9 2,392.4 1,640.8 211.5 2.0% 2.0% 2.0% Shareholders' Equity 543.4 369.5 47.8 508.2 348.5 44.9 6.9% 6.9% 6.9% Key Ratios 2026 2025 2024 2023 2022 2021 Gross Loans/Total Assets 59.2% 60.5% 60.4% 63.0% 65.5% 67.5% Gross Loans/Total Deposits 81.8% 82.5% 81.6% 85.2% 89.6% 92.6% Basic Book value per share (FRw) 558.5 543.7 471.3 394.7 347.4 315.5 ROAA 3.8% 4.1% 3.9% 3.8% 3.5% 3.6% ROAE 21.4% 23.3% 22.6% 21.8% 19.8% 19.1% Basic EPS 120.6 117.8 97.8 80.6 65.0 57.4 The following exchange rates have been used for the translation of the Group's financial statements Exchange Rate 2026 2025 2024 2023 2022 2021 FRW/US$ Period End Exchange Rates 1,470.8 1,458.1 1,383.0 1,265.4 1,070.9 1,013.50 FRW/KES Period End Exchange Rates 11.36 11.31 10.72 8.12 8.67 8.92 BK Group Plc announces today its interim financial results for the period ended 30 June 2026, reporting Net Income of RWF 56.4 billion (US$38.3 million), representing an 8.6% y-o-y increase, supported by strong growth in Operating Income and Pre-Provision Operating Profit of 15.6% and 18.4%, respectively; with ROAA and ROAE at 4.3% and 24.2%. Total Assets increased by 2.9% YTD to RWF 2,984.5 billion (US$2,029.2 million); Client Balances & Deposits increased by 11.7% YTD to RWF 2,105.4 billion (US$1,431.5 million); Shareholders’ Equity increased by 6.9% YTD to RWF 543.4 billion (US$369.5 million); Net Loans and Advances stood at RWF 1,660.1 billion (US$1,128.7 million), a 1.3% YTD decline. *y-o-y and q-o-q growth calculations are based on Rwandan Franc values. US$ values have been derived from period-end RWF/US$ exchange rates. Quarterly numbers in this press release are reviewed numbers in accordance with Law No. 07/2008 relating to organization of Banking, and requirements of regulation No. 03/2016 of 24/06/2016 on Publication by banks of Financial Statements and other disclosures, and Law No. 52/2008 of 10/09/2008 governing Insurance Companies.
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BK Group Plc – H1 2026 – Press Release H1 2026 Financial Highlights Earnings performance: BK Group delivered a strong set of results in the first half of 2026, with total operating income increasing 15.6% year-on-year to RWF 152.0 billion. The performance was anchored by solid growth in core banking revenues, with net interest income rising to RWF 124.5 billion from RWF 108.4 billion in H1 2025, supported by interest income of RWF 150.7 billion and a lower cost of funds, which stood at an annualised 2.2% in Q2 2026. Non-funded income also recorded strong momentum over the period. Net non-interest income rose to RWF 27.5 billion from RWF 23.1 billion in the prior-year period, supported by net fee and commission income of RWF 12.0 billion and foreign-exchange-related income of RWF 7.4 billion. Profitability remained resilient, with net income increasing 8.6% year-on-year to RWF 56.4 billion. Operating Efficiency: Operating expenses increased during the period as the Group continued to invest in its operating platform and growth businesses. Total recurring operating costs rose to RWF 52.9 billion from RWF 47.8 billion in H1 2025. Despite this, operating leverage improved, with the annualised cost-to-income ratio easing to 32.3% in Q2 2026 from 38.2% in Q2 2025 and 36.6% in Q1 2026, reflecting stronger revenue absorption across the franchise. Credit Risk & Asset Quality Credit quality noted a slight deterioration during the second quarter with the non-performing loan ratio at 6.5% at 30 June 2026, up from 4.8% at 31 March 2026, on account of high-ticket credit. The annualised cost of risk stood at 2.1%, while the NPL coverage ratio closed at 32.8%. The Group maintained close portfolio monitoring and risk discipline through the period, and continues to track the affected exposures closely. Balance sheet growth remained solid: BK Group’s balance sheet remained solid at 30 June 2026, underpinned by deposit growth, strong liquidity, and sound capitalisation. Total assets increased by 2.9% year-to-date to RWF 2,984.5 billion (US$ 2,029.2 million). Key movements during the period were as follows: Net loans and advances of RWF 1,660.1 billion, compared with RWF 1,682.5 billion at 31 December 2025. Client balances and deposits of RWF 2,105.4 billion, up 11.7% year-to-date. Cash balances with banks of RWF 735.3 billion, providing strong liquidity support through the period. Shareholders’ equity of RWF 543.4 billion, up 6.9% year-to-date. The gross loan-to-deposit ratio stood at 79.2%. Capital remained sound, with the core capital ratio at 21.1% and the total qualifying capital ratio at 22.3% of risk-weighted assets. Liquid assets represented 41.3% of total assets at 30 June 2026. Dr. Uzziel Ndagijimana, Group CEO, commented “BK Group delivered a strong first-half performance in 2026, with consolidated operating income increasing 15.6% year-on-year and net income rising to RWF 56.4 billion. These results reflect resilient core banking revenues alongside broadening contributions from across the ecosystem. BK General Insurance and BK Capital both delivered sharply improved profitability this half. We also strengthened our balance sheet, with total assets reaching RWF 2.98 Trillion and shareholders’ equity increasing to RWF 543 billion, positioning the Group to deepen customer relationships and support economic activity across all our markets.
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BK Group Plc – H1 2026 – Press Release Operating Business Highlights – H1 2026 1. Bank of Kigali The Bank’s customer base grew by 10.5% year-to-date to 846,701 as at 30 June 2026, with Retail continuing to account for the largest share. The Bank maintained a nationwide footprint of 66 branches, 103 ATMs and 2,415 POS terminals accepting international cards, including VISA and MasterCard. The Agency Banking Network expanded to 6,219 active agents, reinforcing last-mile access. Total customer deposits grew by 11.8% to RWF 2,121.2 billion as at 30 June 2026. Corporate deposits remained the largest component by value, while SMEs recorded the fastest growth at 17.8%, followed by Corporate at 12.3% and Retail at 10.6%. Gross loans reached RWF 1,744.2 billion as at 30 June 2026, with Agriculture, SME and Retail lending growing by 31.2%, 14.6%% and 12.2%% year-on-year, respectively, while Corporate lending declined by 11.7%. The BK Pay merchant network expanded to 5,137 cumulative merchants, processing RWF 10.2 billion in transaction value during the first half of the year. Digital adoption strengthened, with digitally active Retail customers reaching 57.5%, up from 50.04% in June 2025. Digital channels processed 7.59 million transactions valued at approximately RWF 4.81 trillion. 2. BK General Insurance Gross written premiums grew 21.5% year-on-year to RWF 10.9 billion in the first half, up from RWF 8.98 billion in H1 2025, reflecting a more diversified portfolio led by fire, engineering, accident, liability, and agriculture. Net underwriting profit grew 157% year-on-year to RWF 2.28 billion, and net profit rose 71.5% to RWF 2.70 billion, supported by a normalising claims environment; the net loss ratio improved to 33.1% from 50.8% in H1 2025 The combined ratio closed at 68% (loss ratio 33%, expense ratio 35%), within the 95% regulatory threshold, while the capital adequacy ratio strengthened to 244%, well above the 130% regulatory minimum, and return on equity stood at 22% The bancassurance channel generated RWF 1.25 billion in GWP, up 83% year-on-year, and the agent network expanded to 146 agents. BK General Insurance remained the fourth-largest insurer in the market by gross written premiums and the most profitable. 3. BK Capital Total Assets under Management reached RWF 164.8 billion in the first half of the year, an increase of 27% year-on-year, supported by new client acquisitions in pension and managed-account services. Aguka Unit Trust Fund grew 8% year-on-year, while Managed Accounts expanded 25% year-on-year, reflecting new mandates, increased pension contributions, and performance gains. Brokerage commissions grew 496% year-on-year to RWF 546 million, fund management fees rose 75% to RWF 810 million, registrar services increased 24% to RWF 43.9 million, and net interest income advanced 13%, demonstrating continued momentum across brokerage, asset management, and advisory. The business delivered profit before tax of RWF 687 million, a turnaround from a loss in the prior-year period, with return on equity of 24% and return on assets of 14%, while remaining active in capital markets, structured finance, and advisory mandates.
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BK Group Plc – H1 2026 – Press Release Consolidated Statement of Profit or Loss and Other Comprehensive Income For the six months ended 30 June 2026 H1 2026 H1 2025 (Restated) Change IFRS based FRw (Bn) US$ (Mln) KES (Bn) FRw (Bn) US$ (Mln) KES (Bn) Y-o-Y Interest Income 150.7 102.5 13.3 139.0 97.3 12.6 8.5% Interest Expense 26.2 17.8 2.3 30.5 21.4 2.8 (14.0%) Net Interest Income 124.5 84.7 11.0 108.4 75.9 9.8 14.8% FX related Income 7.4 5.0 0.7 10.0 7.0 0.9 (26.0%) Net Fee & Commission Income 12.0 8.2 1.1 9.4 6.5 0.8 28.5% Fair value (loss)/gain on derivatives 2.3 1.5 0.2 0.8 0.5 0.1 202.1% Other Non-interest Income 10.4 7.0 0.9 4.5 3.1 0.4 130.6% Net Non-Interest Income 27.5 18.7 2.4 23.1 16.2 2.1 19.1% Total Operating Income 152.0 103.4 13.4 131.5 92.1 11.9 15.6% Recurring Operating Costs Personnel Cost 21.9 14.9 1.9 22.7 15.9 2.1 (3.2%) Bonus Pool 0.2 0.2 0.0 2.5 1.7 0.2 (90.8%) Administration and General expenses 24.1 16.4 2.1 17.0 11.9 1.5 42.3% Depreciation & Amortisation 6.6 4.5 0.6 5.7 4.0 0.5 15.6% Total Recurring Operating Costs 52.9 36.0 4.7 47.8 33.5 4.3 10.6% Pre-Provision Operating Profit 99.1 67.4 8.7 83.7 58.6 7.6 18.4% Gross Loan Loss Provisions 18.1 12.3 1.6 13.0 9.1 1.2 38.7% Gains on recovery 0.6 0.4 0.1 2.0 1.4 0.2 (69.6%) Net Impairment on Loans & advances 18.7 12.7 1.6 11.0 7.7 1.0 70.1% Profit Before Tax 80.4 54.7 7.1 72.7 50.9 6.6 10.6% Income Tax Expense 24.0 16.3 2.1 20.8 14.6 1.9 15.5% Net Income 56.4 38.3 5.0 51.9 36.4 4.7 8.6% Notes: (1) Growth calculations are based on RWF values (2) US$ values have been derived from period-end RWF/US$ exchange rates set out on page 2 of this press release.
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BK Group Plc – H1 2026 – Press Release Consolidated statement of financial position for the period ended 30 June 2026 H1 2026 H1 2025 (Restated) Change IFRS Based FRw (Bn) US$ (Mln) KES (Bn) FRw (Bn) US$ (Mln) KES (Bn) Y-o-Y Cash 63.8 43.4 5.6 28.2 19.3 2.5 126.4% Balances with BNR 187.1 127.2 16.5 259.8 178.2 23.0 (28.0%) Cash Balances with banks 735.3 499.9 64.7 542.8 372.3 48.0 35.5% Other Fixed Income Instruments 245.8 167.1 21.6 294.4 201.9 26.0 (16.5%) Gross Loans 1,744.2 1,185.9 153.6 1,753.5 1,202.6 155.0 (0.5%) Loan Loss Reserve 84.1 57.2 7.4 71.0 48.7 6.3 18.5% Net Loans to Clients 1,660.1 1,128.7 146.2 1,682.5 1,153.9 148.7 (1.3%) Net Property, Plant & Equipment 33.7 22.9 3.0 33.9 23.3 3.0 (0.6%) Intangible Assets 12.4 8.4 1.1 14.2 9.8 1.3 (12.9%) Net Other Assets 46.0 31.3 4.0 41.7 28.6 3.7 10.2% Total Assets 2,984.5 2,029.2 262.8 2,900.5 1,989.3 256.4 2.9% Interbank Deposits 97.3 66.2 8.6 241.4 165.6 21.3 (59.7%) Client Balances & Deposits 2,105.4 1,431.5 185.4 1,884.4 1,292.4 166.6 11.7% Borrowed Funds 150.8 102.5 13.3 132.1 90.6 11.7 14.2% Dividends payable 24.2 16.5 2.1 50.2 34.4 4.4 (51.7%) Other Liabilities 63.4 43.1 5.6 84.2 57.8 7.4 (24.8%) Total Liabilities 2,441.1 1,659.7 214.9 2,392.4 1,640.8 211.5 2.0% Ordinary Shares 9.3 6.4 0.8 9.3 6.4 0.8 - Share Premium 84.3 57.3 7.4 84.3 57.8 7.5 - Revaluation Reserve 0.2 0.2 0.0 0.2 0.2 0.0 - Retained Earnings 449.5 305.6 39.6 414.3 284.1 36.6 8.5% Shareholder's Equity 543.4 369.5 47.8 508.2 348.5 44.9 6.9% Total liabilities & Shareholders’ Equity 2,984.5 2,029.2 262.8 2,900.5 1,989.3 256.4 2.9% Notes: (1) Growth calculations are based on RWF values (2) US$ values have been derived from period-end RWF/US$ exchange rates set out on page 2 of this press release.
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BK Group Plc – H1 2026 – Press Release Key Performance Ratios Quarterly ratios are annualised, where applicable Q22026 Q12026 Q42025 H1 2026 H1 2025 YE 2025 YE 2024 YE 2023 YE 2022ProfitabilityReturn on Average Assets, % 4.0% 3.7% 3.9% 3.8% 4.0% 4.1% 3.9% 3.8% 3.5%Return on Average Equity, % 22.4% 20.9% 22.5% 21.4% 22.5% 23.3% 22.6% 21.8% 19.8%Net Interest Margin , % 10.0% 8.8% 10.1% 9.4% 9.5% 9.1% 9.4% 10.0% 9.7%Loan Yield, % 14.5% 13.8% 15.5% 14.1% 13.8% 14.5% 14.7% 14.6% 14.0%Interest Expense/Interest Income,% 15.9% 19.1% 16.8% 17.4% 22.0% 20.7% 24.1% 23.7% 26.5%Cost of Funds, % 2.2% 2.4% 2.3% 2.3% 3.0% 2.7% 3.3% 3.3% 3.7%EfficiencyCost/Income Ratio 33.2% 36.6% 41.6% 34.8% 36.4% 38.3% 38.1% 42.8% 45.7%Costs/Average Assets, % 3.6% 3.6% 4.8% 3.6% 3.7% 4.0% 4.2% 4.8% 4.8%Personnel Costs/Total Recurring Operating Costs 38.7% 45.2% 43.5% 41.9% 52.6% 49.1% 47.4% 44.6% 40.3%Personnel Costs/Average Total Assets, Annualised 1.4% 1.6% 2.1% 1.5% 1.9% 1.9% 2.0% 2.2% 1.9%Personnel Costs/Total Operating Income 12.8% 16.5% 18.1% 14.6% 19.1% 18.8% 18.0% 19.1% 18.4%Net Income/Total Operating Income 37.0% 37.2% 34.3% 37.1% 39.5% 39.1% 35.2% 33.3% 33.0%Total Operating Income/Average Assets % 10.8% 9.9% 11.4% 10.3% 10.2% 10.4% 11.2% 11.3% 10.5%Liquidity Net Loans/Total Assets,% 55.6% 56.4% 58.0% 55.6% 63.6% 58.0% 57.7% 58.7% 61.2%Liquid Assets / Total Assets 41.3% 40.6% 38.8% 41.3% 33.0% 38.8% 39.1% 38.0% 34.6%Liquid Assets / Total Deposits 55.9% 56.2% 52.9% 55.9% 44.4% 52.9% 52.9% 51.4% 47.3%Liquid Assets / Total Liabilities 50.5% 49.4% 47.0% 50.5% 40.3% 47.0% 47.3% 46.0% 41.8%Total Deposits / Total Assets 73.8% 72.4% 73.3% 73.8% 74.2% 73.3% 74.0% 74.0% 73.1%Total Deposits / Total Liabilities 90.2% 88.0% 88.9% 90.2% 90.7% 88.9% 89.5% 89.5% 88.4%Interbank Borrowings / Total Deposits 4.4% 12.0% 11.4% 4.4% 11.3% 11.4% 12.0% 12.4% 20.7%Gross Loans/Total Assets 58.4% 59.2% 60.5% 58.4% 66.3% 60.5% 60.4% 63.0% 63.0%Gross Loans / Total Deposits 79.2% 81.8% 82.5% 79.2% 89.5% 82.5% 81.6% 85.2% 89.6%Interest Earning Assets/Total Assets 91.3% 91.0% 89.3% 91.3% 89.3% 89.3% 88.4% 85.2% 81.2%Leverage (Total Liabilities/Equity), Times 4.5 4.6 4.7 4.5 4.5 4.7 4.8 4.8 4.8 Asset QualityNPLs / Total Loans, % 6.5% 4.8% 2.9% 6.5% 3.3% 2.9% 3.2% 4.5% 2.6%NPL Coverage Ratio 32.5% 49.5% 56.6% 32.5% 53.9% 56.6% 58.3% 82.1% 197.7%NPL Coverage Ratio (Net Exposure) 48.2% 98.0% 130.5% 48.2% 117.1% 130.5% 140.0% 459.3% 112.9%Loan Loss reserve / Gross Loans ,% 4.8% 4.8% 4.0% 4.8% 4.5% 4.0% 4.9% 6.9% 6.6%Average Loan Loss reserve / Average Gross Loans ,% 4.4% 4.4% 4.4% 4.4% 4.7% 4.4% 5.8% 6.7% 7.1%Large Exposures / Gross Loans 42.3% 44.8% 47.3% 42.3% 57.8% 47.3% 71.8% 67.5% 58.4%Cost of Risk, Annualised 2.7% 1.6% 1.0% 2.1% 1.3% 1.0% 2.4% 1.5% 0.9%Capital AdequacyCore Capital / Risk Weighted Assets 21.1% 22.1% 21.2% 21.1% 20.4% 21.2% 19.7% 20.4% 24.2%Total Qualifying Capital / Risk Weighted Assets 22.3% 23.4% 22.5% 22.3% 21.7% 22.5% 20.9% 21.7% 24.4%Off Balance Sheet Exposure / Total Qualifying Capital 56.8% 53.7% 59.8% 56.8% 69.1% 59.8% 85.8% 84.0% 61.7%Large Exposures / Core Capital 146.2% 158.9% 179.8% 146.2% 244.5% 179.8% 289.7% 268.0% 252.9%NPLs less Provisions / Core Capital 13.7% 5.4% (0.6%) 13.7% (0.7%) (0.6%) (1.0%) (1.6%) (14.0%)Market SensitivityForex Exposure / Core Capital (2.4%) (9.3%) (2.0%) (2.4%) 2.8% (2.0%) 4.3% (5.7%) (2.2%)Forex Loans / Forex Deposits 9.4% 23.6% 35.6% 9.4% 46.3% 35.6% 32.5% 31.4% 42.3%Forex Assets / Forex Liabilities 101.1% 104.6% 100.9% 101.1% 98.7% 100.9% 98.0% 97.2% 98.7%Forex Loans / Gross Loans 5.5% 12.5% 18.5% 5.5% 21.4% 18.5% 15.7% 14.4% 12.7%Forex Deposits/Total Deposits 46.4% 43.3% 42.8% 46.4% 41.4% 42.8% 39.5% 39.1% 26.9%Selected Operating DataFull Time Employees 1,722 1,713 1,696 1,722 1,728 1,696 1,715 1,284 1,214 Assets per FTE (FRw in billion) 1.7 1.7 1.7 1.7 1.5 1.7 1.5 1.7 1.5 Number of Branches 68 68 67 68 67 67 67 67 68 Number of ATMS 103 105 105 103 103 105 103 103 96 Number of POS Terminals 2,415 2,385 2,477 2,415 2,067 2,477 2,170 2,490 3,099 Number of BK Yacu Agent 6,219 5438 5,438 6,219 5,186 5,438 5,054 4,470 3,853
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BK Group Plc – H1 2026 – Press Release Glossary Measure Definitions Return on Average Assets (ROAA) Calculated as net income for the period divided by average total assets over the same period. Return on Average Equity (ROAE) Calculated as net income for the period divided by average total shareholders' equity over the same period Average Interest-Earning Assets Computed quarterly and include cash and balances with banks, treasury instruments, and net loans to clients Net Interest Margin (NIM) Net interest income for the period divided by average interest-earning assets Cost of Funds Interest expense for the period divided by average interest-bearing liabilities Total Operating Income Sum of net interest income and non-interest income for the period Operating Costs Include total recurring operating expenses and bonuses (both paid and accrued) Cost-to-Income Ratio (CIR) Total recurring operating costs plus bonuses (paid and accrued), divided by total operating income Personnel Costs to Operating Costs Staff costs and bonuses (paid and accrued) divided by total recurring operating costs Personnel Costs to Average Assets Staff costs and bonuses (paid and accrued) divided by average total assets Client Deposits Comprise deposits from corporates, financial institutions, and retail clients Liquid Assets Include cash, balances with the National Bank of Rwanda, balances with other banks, treasury instruments, and other fixed income securities Total Deposits The sum of interbank deposits and client deposits Shareholders’ Equity Represents total shareholders’ equity at the reporting date Non-Performing Loans (NPLs) Loans classified as overdue by more than 90 days Large Exposures Loans or credit exposures that, in aggregate, exceed 10% of core capital Cost of Risk Net provision for loan losses, plus provisions (or net recoveries) on other assets, divided by average gross loans to clients Total Capital Adequacy Ratio (CAR) Total qualifying capital at period end divided by total risk-weighted assets, in line with National Bank of Rwanda regulations Y-o-Y Year-on-year comparison based on values denominated in Rwandan Francs (RWF) Q-o-Q Quarter-on-quarter comparison based on RWF values YE Refers to year-end figures as at 31 December AuM Assets Under Management
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BK Group Plc – H1 2026 – Press Release ABOUT BK GROUP PLC BK Group Plc is a leading financial service holding company in Rwanda, incorporated under the Companies Law No. 17/2018 and registered with the Rwanda Development Board (RDB). BK Group operates through five subsidiaries: Bank of Kigali Plc, BK General Insurance, BK Capital, BK TecHouse, and BK Foundation. Together, they provide a comprehensive range of services spanning banking, investment management, insurance, technology solutions, and philanthropy to support Rwanda’s economic and social development. In 2011, the Bank became the second domestic company to list on the Rwanda Stock Exchange and, in 2018, it became the first Rwandan company to cross-list on the Nairobi Securities Exchange. FORWARD-LOOKING STATEMENT DISCLAIMER This press release may contain forward-looking statements that reflect BK Group’s current expectations and assumptions regarding future events, including projections on revenue, asset growth, and market conditions. These statements are subject to risks and uncertainties, and actual results may differ materially from those expressed or implied. BK Group disclaims any obligation to update forward-looking statements, except as required by applicable law or regulation. INVESTOR CONTACT Hugues M. Kayigamba Group Head | Investor Relations & Corporate Development ■ Email: investor.relations@bk.rw ■ Website: www.bkgroup.rw/investor-relations ■ Telephone:+250 788 143 592 Follow BK Group ■ X (Twitter): @BKGroupPLC ■ LinkedIn: BK Group PLC ■ RSE: BOK | NSE: BKG