I&M Bank Group's Q3 2025 Profit Up 29% on Revenue Growth

I&M Bank delivered an increase in profitability for the nine months ended September 2025, with net earnings rising sharply by 28.68% to KShs 11.80 billion, up from KShs 9.95 billion in Q3 2024.

• •The improved performance reflects enhanced interest income growth, cost management, and balance sheet expansion. Profit Before Tax also rose by 28.06% to KShs 17.16 billion.
• •Total assets expanded 12.81% to KShs 640.42 billion, customer deposits grew by 10.16% to KShs 455.85 billion, while net loans and advances increased by 7.31% to KShs 301.91 billion.
• •Although the loan loss provision reserves increased by 7.98% to KShs 18.54 billion, the reduction in gross non-performing loans by 6.98% to KShs 33.17 billion indicates improving underlying credit health.

The Group achieved 20.25% growth in operating income, reaching KShs 43.00 billion (up from KShs 35.76 billion) from both core and non-core lines. Net Interest Income (NII) was a key driver, accelerating by 21.08% to KShs 31.82 billion from KShs 26.28 billion a year earlier- indicating successful asset repricing and loan book expansion.

Non-Interest Income increased by 18.04% to KShs 11.19 billion, driven by in fees, commissions, and trading gains.

While total other operating expenses grew by 15.61% to KShs 25.85 billion, the growth rate was contained relative to the 20.25% growth in operating income.

Profitability and valuation gains significantly bolstered the Group’s capital base, with total equity surging by 29.87% to KShs 113.79 billion. Earnings per Share (EPS) reflected the bottom-line growth, rising by 24.19% to KShs 6.88.

Key Financial Metrics Q3 2025 vs. Q3 2024