I&M Group Income Statement

Financials in millions KES. Fiscal year is January - December.

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	45,597	68,106	50,459	37,351	33,081
Interest Income on Investments	23,594	-	-	-	-
Total Interest Income	69,192	68,106	50,459	37,351	33,081
Interest Paid on Deposits	21,930	30,543	21,828	14,407	12,205
Interest Paid on Borrowings	1,310	-	-	-	-
Total Interest Expense	23,241	30,543	21,828	14,407	12,205
Net Interest Income	45,951	37,562	28,630	22,945	20,877
Net Interest Income Growth (YoY)	22.33%	31.20%	24.78%	9.90%	33.83%
Income From Trading Activities	-	3,757	6,370	5,909	3,367
Gain (Loss) on Sale of Assets	-	-53.51	0.62	-9.82	-12.61
Other Non-Interest Income	14,376	8,913	6,763	6,228	4,885
Total Non-Interest Income	14,376	12,616	13,134	12,128	8,239
Non-Interest Income Growth (YoY)	13.95%	-3.94%	8.29%	47.19%	-0.76%
Revenues Before Loan Losses	60,327	50,179	41,764	35,072	29,116
Provision for Loan Losses	8,690	7,818	6,870	5,245	4,200
Revenue	51,637	42,360	34,894	29,827	24,917
Revenue Growth (YoY)	21.90%	21.40%	16.99%	19.71%	16.28%
Salaries and Employee Benefits	10,910	9,199	7,655	6,587	6,002
Occupancy Expenses	2,238	3,708	3,691	3,187	2,591
Amortization of Goodwill & Intangibles	1,005	-	-	-	-
Selling, General & Administrative	871.42	-	-	-	-
Other Non-Interest Expense	13,210	9,574	8,072	5,722	4,460
Total Non-Interest Expense	27,457	21,584	18,214	14,835	12,504
EBT Excluding Unusual Items	24,180	20,776	16,680	14,992	12,413
Pretax Income	24,180	20,776	16,680	14,992	12,413
Income Tax Expense	4,343	4,123	3,335	3,409	3,789
Earnings From Continuing Operations	19,837	16,654	13,345	11,584	8,624
Minority Interest in Earnings	-1,056	-1,274	-730.04	-390.21	-493.19
Net Income	18,781	15,379	12,615	11,193	8,131
Net Income to Common	18,781	15,379	12,615	11,193	8,131
Net Income Growth	22.12%	21.91%	12.70%	37.67%	0.70%
Basic Shares Outstanding	1,741	1,654	1,654	1,654	1,654
Diluted Shares Outstanding	1,741	1,654	1,654	1,654	1,654
Shares Change (YoY)	5.26%	-	-	-	-
EPS (Basic)	10.79	9.30	7.63	6.77	4.92
EPS (Diluted)	10.79	9.30	7.63	6.77	4.92
EPS Growth	16.02%	21.91%	12.70%	37.67%	0.70%
Dividend Per Share	3.750	3.000	2.550	2.250	1.500
Dividend Growth	25.00%	17.65%	13.33%	50.00%	33.33%
Effective Tax Rate	17.96%	19.84%	19.99%	22.74%	30.52%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.