# I&M Holdings Q3 2025 Results

An episode of [The Mwango Capital Podcast](https://invisiblenetwork.ai/podcast/1583367792), 15 Dec 2025, 38 min.

Audio: https://api.substack.com/feed/podcast/181567303/378b0d4e75e7bd0d9c3abb6500fcb240.mp3

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. Subscribe to get notified when we make a new post. 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 Get full access to The Mwango Weekly at mwangocapital.substack.com/subscribe

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