# Understanding the I&M Group H1 2026 Results

An episode of [The Mwango Capital Podcast](https://invisiblenetwork.ai/podcast/1583367792), 23 Sep 2026, 35 min.

Audio: https://api.substack.com/feed/podcast/217011455/e89105d32ca76e7811732e0d33a7a998.mp3

In this episode, recorded on August 27, 2026, we sit down with David Ngata (Group Chief Financial Officer, I&M Group) to dissect the group's H1 2026 financial results. We dive into the key drivers behind the Group’s performance, the Group's "phygital" branch network rollout, front-loaded loan loss provisioning, and how regional operations in Rwanda, Uganda, Tanzania, and Mauritius are expanding their earnings footprint. Show Notes 00:00:00 Introduction 00:01:00 Highlights of the Half-Year Results 00:04:12 Subsidiaries Profit Mix 00:05:45 Growth in Customer Deposits 00:07:48 Phygital Branch Strategy 00:16:53 Loan Loss Provisions and NPL Management 00:23:09 Net Interest Income 00:24:57 Funding 00:29:35 Dividend Policy 00:30:50 Priorities for H2/26 Get full access to The Mwango Weekly at mwangocapital.substack.com/subscribe

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