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Financial Highlights
Return on Equity
21.56%
50%
Return on Asset
2.54%
30%
Return on Capital
21.28%
34%
Income Statement
With effect from: Friday, 14 March 2025
| *Frw (Billions) | Dec 2024 | Dec 2023 | YOY variance |
|---|---|---|---|
| Net Interest Income | 49.3 | 35.3 | 40% |
| Non-Funded Income | 18.4 | 13.2 | 39% |
| Operating Income (before LLP) | 67.8 | 48.6 | 39% |
| Operating Expenses | (34.4) | (30.2) | 14% |
| Net Impairment Charge | (6.5) | (2.8) | 134% |
| Profit Before Tax | 26.8 | 15.6 | 72% |
Balance Sheet
With effect from: Friday, 14 March 2025
| *Frw (Billions) | Dec 2024 | Dec 2023 | YOY variance |
|---|---|---|---|
| Shareholders' Equity | 99.9 | 78.6 | 27% |
| Loans and Advances to customers | 356.3 | 313.9 | 14% |
| Total Customer Deposits | 659.4 | 539.1 | 22% |
| Total Assets | 817.9 | 678.8 | 20% |
For the latest updates on share price movement and reports, kindly refer to the Rwanda Stock Exchange website at https://www.rse.rw/ It provides daily information on the stock market and related updates.
Reports & Presentations
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Financial Results
Reports and Presentations
Annual Reports
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Investor Briefings
Frequently Asked Questions
We will be happy to hear from you. Please contact our Investor Relations desk through: Email: invest@imbank.co.rw Telephone: +250 788 162 475
You have the option to purchase and sell our common shares through a financial adviser, stockbroker, or a bank. Commission charges for these transactions may vary depending on the agent.
Board of Directors has recommended a dividend payout of Frw 1.41 per share, subject to the approval by shareholders at the forthcoming Annual General Meeting.
The dividend will be disbursed to shareholders who are listed in the Bank's Register of Shareholders on the designated record date for dividend distribution, which is 22nd May 2024.
I&M Bank will pay the dividend to all bank accounts on June 14th, 2024, or thereabout. If the bank account of a shareholder is in a bank outside Rwanda, the shareholder should receive the dividend through his or her bank, broker, or custodian shortly after June 14th, 2024, depending on the practices of the intermediary banks transferring the dividend payments.
The Board acknowledges the significance of dividends to shareholders and emphasizes the need to strike a balance between returns and investments to foster future growth, while maintaining robust capital ratios. The dividend payout pattern over the past three years was influenced by the effects of COVID-19 on profitability.
The share price has remained relatively stable at RWF 43 throughout 2023, and early 2024. As a Bank, we do not interact with the daily trades in the stock market, however, we work to ensure there is a good return on investment for our shareholders. And this we have delivered, and we plan to do even more.
As a Bank, we do not interact with the daily trades in the stock market, however, we work to ensure there is a good return on investment for our shareholders. You will understand that we have tried to address this issue through the bonus issue which boosted the liquidity of the stock on the RSE.
Kindly contact our Investor Relations office to provide status on your shares, and to claim your outstanding dividends. Telephone no: +250 (0) 788 162 475 Email: invest@imbank.co.rw The offices are open Monday to Friday from 9am to 5pm.
Kindly contact our Investor Relations office to provide status on your shares, and to claim your outstanding dividends. Telephone no: +250 (0) 788 162 475 Email: invest@imbank.co.rw The offices are open Monday to Friday from 9am to 5pm.
Kindly contact our Investor Relations office to provide status on your shares, and to claim your outstanding dividends. Telephone no: +250 (0) 788 162 475 Email: invest@imbank.co.rw The offices are open Monday to Friday from 9am to 5pm.
On our website, you will see an “Investor Relations” menu. It is a webpage with key information for our shareholders and anyone interested to invest in the Bank. We also have a dedicated email address for any investor-related queries: invest@imbank.co.rw
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