I&M Group and Bank PLC has demonstrated strong growth across its operations in 2025, showing positive results despite challenges posed from inflation, currency devaluation among other economical challenges. According to Kihara Maina, the Regional CEO, the number of customers served by the Group rose sharply to 851,000 from 635,000 in the previous year. Digital active customer increased from 82% to 86%. The Group also reported growth in revenue from new business, moving from 22% in 2024 to 24% in 2025. Return on equity rose to 16% from 14%, while the subsidiary profit before tax contribution reduced from 26% to 24%.
The return on equity increased to 16% from 14% in the previous year. The bank has impacted 7.4M lives through financial inclusion.I&M has also established an average of 4M monthly digital transactions. The foundation has been able to to pay employees competitively thereby investment in people added up to 42% of the total operating expenses.The brand is valued at 3% of the total operating expenses.The brand awareness score was at 34% which was an increase from the previous period by 14%.
In 2025, the I&M foundation committed KES 88.5M in tree growing initiative, supporting biodiversity ,restoring ecosystems and creating green jobs for local communities.In education and skills development, it has invested KES 48.1M over 3 years to expand the enterprise hence equipping 1,716 student in 5 counties with digital, financial and entrepreneurial skills to become future community leaders.
I&M Group Balance Sheet
David Ngata ,the group I&M Group Limited Plc in his speech, the total assets has grown by 14% to 42.4B.The net loan and advances increased by 11% to 24.4B.The customer deposits increased from 1.8B to to 2.5B with a year on year variation(yoy) of 9%.The operating profit increased by 40% to 2.5B.The profit before tax increased by 43% to 0.53B.In Rwanda, the total assets increased by 7% to 82.4B.The customer deposits increased by 8% to 55.4B.In Uganda, the total assets increased by 19% to 40.3B.The customer deposits has increased by 21% to 30.8B.The profit before tax increased by 23% to 0.21B.In Mauritius, they had an increase in assets by 21% to 184.5B.The I&M in Mauritius is jointly owned and the I&M own 50%.Its profit before tax was valued at 0.89B with a year on year variation of 25%.
I&M Group Income Statement
In Kenya,Operating income rose up by 21% to 18.7.The profit before tax increased by 31% to 8.2B.The net loans and advances reduced reduced by 3% to 211.2B.The customer deposits increased by 0.4% to 314.8B.The number of customers has increased from 451k to 562K.The number of digital transactions has increased from 11.2M to 12.9M.The number of branches has also expanded from 12 to 24.The Corporate and Institutional banking(CIB) operating Income has increased by 64.7% to 6.4B.The retail banking(RB) Operating Income has increased by 24% to 4.6B.The MSME customers comprise an increase of 30% of the new customer acquisitions, this is due to significant growth in Agri-lending ,workplace banking and short term digital lending.Loan disbursement has increased From 3.3B to 8.2B. Wealth management, assets has increased to 70B from 20.7B there by with a Yoy of 238.4%.The total Ban assurance revenue (commission and interest income) has increased by 15% to 352.7M.
In the group balance sheet, total assets were valued at 588.9B with an increase of 4% year on year variation.The customer deposits increased by 2% to 429.4B while the net loans and advances increased by 2% to 290.3.The total income increased by 21% to 27.4B in 2025.The profit before tax increased to 11.7B with a year on year variation of 34% as compared to 2024.The customer deposits increased by 2% to 429.4B in 2025.The return on equity increased to 16% with a year on year variation of 2.3%. The return on assets increased by 0.6% to 2.9% in the year 2025. .The Profit after tax increased to 8.3B with a year on year variation of 36%.The net loans and deposits increased by 2% to 290B.The customer deposits increased by 2% to 429B in 2025.Therefore the I&M has made a bigger step in customer number and maximising its profits.
Also read:I&M Group Delivers Strong FY2024 Results as Diviend Rises to KES 3.00
