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Welcome to COGEBANQUE,

Dear Shareholders, It is my pleasure to present to you the Bank’s annual report for the financial year ended December 31, 2020. I am so grateful to you for your unreserved support provided during this turbulent year (2020), without which Cogebanque Plc would not have recorded the emboldening achievements it did.

2020 was a very challenging year to the entire world in all aspects of life due to COVID-19 pandemic, which caused a lot of changes in business models, customer behaviors and the expected results thereof

Cogebanque Plc joined the rest of Rwandan community to implement the measures to contain the spread of COVID-19 pandemic, and provided support to mostly affected families and individuals.

“A customer is the most important visitor on our premises; he is not dependent on us. We are dependent on him. He is not an interruption in our work. He is the purpose of it. He is not an outsider in our business. He is part of it. We are not doing him a favour by serving him. He is doing us a favour by giving us an opportunity to do so” ~ Mahatma Gandhi

We know at COGEBANQUE that banking is basically a service business, and service businesses are about people. One of the most important performance indicators of COGEBANQUE will always be the quality of service. To be able to achieve it, we are committed to consistent transparent management, competitive and flexible pricing, strong technological capability and effective advisory services.

When COGEBANQUE was established by its initial shareholders, it had a dream of becoming a true Rwandan bank at the service of Rwandans. Today that dream is being realized. COGEBANQUE is fully owned by Rwandan shareholders at the service of Rwandans. In its current strategic plan, the focus is for the bank to become more competitive, to maximize profits, to continue to improve its productivity and efficiency and to meaningfully contribute to the economic development of Rwanda. The bank has young, dynamic and committed staff that will drive it towards the attainment of its goals and objectives. We are set to build a great bank.