In this episode recorded on March 26, 2026, we break down I&M Holdings FY2025 results with the CFO, David Ngata.

We unpack earnings drivers, balance sheet shifts, subsidiary performance, and outlook heading into 2026

Subscribe to get notified when we make a new post.

Show Notes

00:00:00 Introduction

00:03:30 FY 2025 Highlights and Restatement of 2024 Financials

00:08:13 Interest Income, Customer Deposits, and Loan Growth

00:16:22 Wealth Management, Asset Quality, and NPLs

00:20:15 OpEx, CapEx, and Regional Performance

00:27:55 Capital Allocation, Digital Banking, and AI

00:33:30 Impacting Communities

00:35:20 Banking App, AI in Lending, Loans to Related Parties, and Governance

00:39:30 Increased Investment in G-Secs, Rates Outlook, and Strategy

00:42:49 Life Advice and Closing Remarks

Get full access to The Mwango Weekly at mwangocapital.substack.com/subscribe