In this episode recorded on November 20, 2025, we are joined by the I&M Holdings’ CFO, David Ngata, as we break down the comapny’s Q3 2025 results. We cover performance in the regions, CBK’s new pricing framework, capital allocation, shareholder returns, and future outlook.

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Show Notes

00:00:00 Introduction

00:02:28 Overview of Q3 25 Financial Results

00:03:51 Regional Subsidiaries’ Performance

00:08:30 Kenyan Market Performance

00:13:16 I&M’s Value Proposition

00:19:28 Net Interest Income and Non-Funded Income

00:22:07 CBK’s New Pricing Framework

00:26:17 OpEx and CapEx Plans

00:30:54 Capital Allocation and Shareholder Returns

00:34:15 Reflections, Future Outlook, and Closing Remarks

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