Africa-Press – Rwanda. I&M Bank (Rwanda) Plc has announced a remarkable 46% year-on-year (YoY) increase in net profit, reaching Rwf 17.8 billion for the quarter ending September 30, 2025. This milestone reflects the Bank’s robust financial performance, strategic execution, and unwavering commitment to customer-centric growth.
Strong financial performance across the board
The Bank’s net operating income rose by 29% to Rwf 54.1 billion, driven by sustained revenue growth and disciplined cost management. Net interest income surged by 36% to Rwf 48.5 billion, supported by a 35% increase in net loans to Rwf 479.4 billion. Customer deposits grew by 33%, reaching Rwf 875 billion, signaling deepening trust and engagement across all segments.
In a landmark achievement, total assets crossed the Rwf 1 trillion threshold, marking a 30% year-to-date (YTD) expansion and positioning I&M Bank Rwanda among the country’s most formidable financial institutions.
Operational efficiency and strategic investment
Despite a 16% rise in operating expenses, largely attributed to strategic investments in talent development, capacity building, and branch network expansion, the cost-to-income ratio improved to 45.7%, underscoring enhanced operational efficiency.
I&M Bank tellers attend to clients at the headquarters branch in Kigali City. File
The Bank delivered a Return on Equity (ROE) of 22.3% and a Return on Assets (ROA) of 2.53%, reflecting its ability to generate sustainable shareholder value while maintaining sound asset quality.
CEO reflections
Commenting on the results, Benjamin Mutimura, Chief Executive Officer of I&M Bank (Rwanda) Plc, emphasised the role of strategic clarity and stakeholder trust:
“I am pleased to report another quarter of consistent growth as we enter the final stretch of 2025. The performance we’re sharing today reflects the trust of our customers, the dedication of our teams, and the resilience of our strategy.”
He added: “Our investments in building leading ecosystems and deepening our customer-centric approach continue to yield great results across all segments. I am particularly proud of the impact we are making in the lives of Rwandans—expanding access to financial services and contributing meaningfully to national development.”
Recognition and social impact
In recognition of its excellence, I&M Bank (Rwanda) Plc was named the Best SME Bank and Best Retail Bank in Rwanda for 2025 by Global Banking & Finance Review. These accolades affirm the Bank’s leadership in innovation, service quality, and inclusive finance.
The Bank’s net operating income rose by 29% to Rwf 54.1 billion, driven by sustained revenue growth and disciplined cost management. Craish BAHIZI
Beyond financial metrics, the Bank continues to champion inclusive and sustainable economic growth, reaching over 3,000 individuals through financial empowerment programmes and community partnerships.
Looking ahead
As the year draws to a close, I&M Bank (Rwanda) Plc remains focused on sustaining growth, deepening customer relationships, and driving innovation. With a clear strategic roadmap and a strong foundation, the Bank is well-positioned to continue delivering value to shareholders, customers, and the broader Rwandan economy.
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