NAIROBI, Kenya — I&M Bank has reported a net profit of Sh19.8 billion for the year ending December 2025, reflecting strong growth supported by digital banking expansion and improved asset quality. 📈
The lender recorded steady balance sheet growth as it continued investing in technology and expanding its customer base across the region.
According to the bank’s leadership, the performance was driven by higher operating income and improved efficiency, even as the broader economic environment remained challenging. Similar gains in profitability across 2025 were supported by rising operating income, disciplined risk management, and investments in technology and digital platforms.
The bank’s total income rose to Sh60.3 billion, helping boost overall profitability despite slightly slower revenue growth.
This performance aligns with the lender’s strategy of:
- Expanding digital banking services
- Strengthening asset quality
- Growing customer deposits
- Enhancing operational efficiency
Industry data shows I&M’s earnings growth in recent periods has been supported by balance sheet expansion, higher operating income, and improved credit quality, reinforcing its long-term strategy.
The lender has been pushing aggressively into digital banking to lower costs and attract younger customers. Investments in technology, automation, and customer-centric innovation have played a key role in boosting income streams and improving efficiency.
