# The I&M Bank MTN

An episode of [The Mwango Capital Podcast](https://invisiblenetwork.ai/podcast/1583367792), 8 May 2026, 36 min.

Audio: https://api.substack.com/feed/podcast/196856925/7b5c572b1e32f208694fc70056805dc0.mp3

In this episode recorded on May 6, 2026, we are joined by I&M Bank Group CFO, David Ngata, and SIB Director, Laban Githuki, as we unpack the bank’s KES 20B Medium-Term Note (MTN) programme, its pricing rationale, and capital optimization strategy. Show Notes 00:00:00 Introduction 00:01:33 I&M Bank’s Balance Sheet 00:03:32 Basics of an MTN 00:10:16 Offer Terms and Dates 00:12:41 Minimum Investment 00:13:55 How the MTN fits into the Bank’s Strategy 00:19:20 Use of Proceeds and Lending Growth 00:24:14 Application, Settlement, and Trading 00:29:01 Asset Quality 00:31:18 Key Details and Final Pitch Get full access to The Mwango Weekly at mwangocapital.substack.com/subscribe

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