# I&M FY 2025 Results

An episode of [The Mwango Capital Podcast](https://invisiblenetwork.ai/podcast/1583367792), 14 Apr 2026, 46 min.

Audio: https://api.substack.com/feed/podcast/194156295/a91b5be19662c8c2c5d441547a2a34ef.mp3

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

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