I&M Group’s net profit surged 24 percent to Kes19.8 billion for the trading period ending December 2025, with the lender’s subsidiaries accounting for nearly a quarter of the earnings. The board has recommended the payment of Kes3.75 per share, reflecting a 25 percent increase in shareholder payout.

I&M Group’s subsidiaries delivered a strong performance with lender's Rwanda and Tanzania units recording a 24 percent and 21 percent increase in gross profit, respectively, driven by increased economic activity and strong asset growth. 

In Uganda, the bank's subsidiary achieved a 48 percent surge as total assets to UGX 1.4 trillion in December 2025 while the joint venture Bank One in Mauritius posted a 4 percent growth in gross earnings.

Group said rising operating revenues across all markets, a resilient and high-quality income mix and a solid balance sheet, saw total asset increase by 15 percent to Kes668.9 billion. 

The period under focus saw the Group execute its iMara 3.0 strategy, a plan that seeks to support individuals and sectors driving East Africa’s economic growth, including Micro, Small and Medium Enterprises (MSMEs).

“We focused on deepening our relevance by strengthening tailored propositions across Agribusiness, MSMEs, SACCOs, Chamas, Retail and Corporate Banking, while maintaining customer experience above global benchmarks,” said I&M Bank Kenya and Group Regional CEO, Mr. Kihara Maina.

Loans and advances increased by 7 percent to close the year at Kes306 billion even as revenue went up by 19 percent to Kes60.3 billion, boosted by a 16 percent rise in net interest income to Kes46 billion. 

At the same time, non-interest income increased by 31 percent to Kes14.4 billion, owing to positive outcomes from ongoing revenue diversification. 

Group Bancassurance and wealth management business saw the portfolio of Assets Under Management jump by 223 percent to close at Kes99 billion driven by strong consumer demand for wealth solutions. 

I&M Bancassurance Intermediary Limited also recorded strong growth, with underwritten premiums rising to Kes4.7 billion from Kes2.8 billion in 2024, supported by an expanded client base. 

Customer deposits increased by 17 percent in the year to Kes484 billion, allowing for further balance sheet expansion. However, operating expenses increased by 19 percent on account of branch expansions, investment in brand-building initiatives and staff upskilling aimed at driving business growth. 

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