I&M Group PLC has reported a 22 per cent increase in profit before tax to KSh24.2 billion for the year ended December 2025, underpinned by strong regional expansion and diversified revenue streams.
The lender’s regional subsidiaries played a growing role in earnings, contributing 24 per cent of total performance as the Group deepened its footprint across East Africa.
The strong results were driven by robust operating revenues across all markets, reflecting the success of the bank’s regional diversification strategy. Total revenue rose by 19 per cent to KSh60.3 billion, supported by a 16 per cent growth in net interest income to KSh46 billion.
Non-interest income also posted strong growth, rising 31 per cent to KSh14.4 billion, highlighting gains from ongoing efforts to diversify income sources.
The Group’s balance sheet remained solid, with total assets increasing by 15 per cent to KSh668.9 billion, while customer deposits grew by 17 per cent to KSh484 billion, providing additional capacity for lending.
Loans and advances rose by 7 per cent to KSh306 billion, driven by increased lending to key sectors, including micro, small and medium enterprises (MSMEs), in line with the Group’s iMara 3.0 strategy.
Speaking during an investor briefing, Group Regional CEO Kihara Maina said the performance reflects the resilience and synergy of the bank’s regional operations.
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“The Group’s strong performance is a clear testament to the growing strength, resilience and synergy of our operations across all our markets. It reflects the disciplined execution of our strategy and reinforces our confidence that we are delivering meaningful value for both our customers and shareholders,” he said.
The Group recorded significant growth in its non-banking segments, particularly wealth management and bancassurance.
Assets under management surged by 223 per cent to KSh99 billion, driven by rising demand for investment solutions, while bancassurance premiums grew to KSh4.7 billion from KSh2.8 billion the previous year.
Commission and interest income from the segment rose by 20 per cent to Sh549 million.
The lender continued to invest in digital transformation, launching new platforms such as I&M FX Direct and enhancing its online banking platform, driving digital adoption to 98 per cent of transacting customers.
Operating expenses rose by 19 per cent, largely due to branch expansion, brand-building initiatives and staff upskilling as the Group positions itself for long-term growth.
Beyond financial performance, the Group increased its focus on sustainability and social impact, investing KSh404.7 million in community initiatives.
A majority of the funds went into environmental conservation, with the bank planting over one million trees, achieving an 85 per cent survival rate.
The Group also supported education and economic empowerment, awarding 440 scholarships and reaching over 38,000 women and youth through empowerment programmes.
In line with the strong performance, the Board has recommended a final dividend of KSh2.25 per share, bringing the total dividend to KSh3.75 per share a 25 per cent increase from the previous year.
The results position I&M Group on a firm growth trajectory as it seeks to strengthen its standing as a leading financial partner in the East African region.
