I&M Group PLC (NASE:IMH)

I&M Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	65,605	68,106	50,459	37,351	33,081	27,849
Interest Paid on Deposits	25,657	30,543	21,828	14,407	12,205	12,249
Net Interest Income	43,101	37,562	28,630	22,945	20,877	15,600
Net Interest Income Growth (YoY)	20.47%	31.20%	24.78%	9.90%	33.83%	0.58%
Income From Trading Activities	3,757	3,757	6,370	5,909	3,367	3,870
Gain (Loss) on Sale of Assets	-53.51	-53.51	0.62	-9.82	-12.61	-3.33
Other Non-Interest Income	10,613	8,913	6,763	6,228	4,885	4,435
Total Non-Interest Income	14,317	12,616	13,134	12,128	8,239	8,302
Non-Interest Income Growth (YoY)	20.33%	-3.94%	8.29%	47.19%	-0.76%	4.15%
Revenues Before Loan Losses	57,418	50,179	41,764	35,072	29,116	23,902
Provision for Loan Losses	9,022	7,818	6,870	5,245	4,200	2,473
Revenue	48,396	42,360	34,894	29,827	24,917	21,429
Revenue Growth (YoY)	21.20%	21.40%	16.99%	19.71%	16.28%	-6.20%
Salaries and Employee Benefits	10,530	9,199	7,655	6,587	6,002	4,555
Occupancy Expenses	3,641	3,708	3,691	3,187	2,591	1,955
Selling, General & Administrative	-16.89	-	-	-	-	-
Other Non-Interest Expense	10,671	9,574	8,072	5,722	4,460	3,288
Total Non-Interest Expense	23,980	21,584	18,214	14,835	12,504	10,477
EBT Excluding Unusual Items	24,416	20,776	16,680	14,992	12,413	10,952
Pretax Income	24,416	20,776	16,680	14,992	12,413	10,952
Income Tax Expense	5,033	4,123	3,335	3,409	3,789	2,539
Earnings From Continuing Operations	19,383	16,654	13,345	11,584	8,624	8,413
Minority Interest in Earnings	-1,370	-1,274	-730.04	-390.21	-493.19	-338.7
Net Income	18,013	15,379	12,615	11,193	8,131	8,074
Net Income to Common	18,013	15,379	12,615	11,193	8,131	8,074
Net Income Growth	28.50%	21.91%	12.70%	37.67%	0.70%	-21.68%
Basic Shares Outstanding	1,699	1,654	1,654	1,654	1,654	1,654
Diluted Shares Outstanding	1,699	1,654	1,654	1,654	1,654	1,654
Shares Change (YoY)	2.62%	-	-	-	-	-
EPS (Basic)	10.60	9.30	7.63	6.77	4.92	4.88
EPS (Diluted)	10.60	9.30	7.63	6.77	4.92	4.88
EPS Growth	25.22%	21.91%	12.70%	37.67%	0.70%	-21.68%
Dividend Per Share	3.200	3.000	2.550	2.250	1.500	1.125
Dividend Growth	-	17.65%	13.33%	50.00%	33.33%	-11.77%
Effective Tax Rate	20.61%	19.84%	19.99%	22.74%	30.52%	23.19%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.