I&M Bank reports Sh10 billion half-year profit as bad loans decline
I&M Bank posted Sh10 billion in half-year profit with falling non-performing loan levels, signalling improved asset quality in the Kenyan banking sector.
I&M Bank reported a Sh10 billion half-year profit while recording a decline in bad loans, demonstrating improved credit quality and provisioning management. The bank's earnings and NPL reduction reflect both improved borrower repayment discipline and tighter risk management in H1 2026. This performance is significant for the Kenyan banking sector, where NPL ratios have been a focal point for regulators and recovery specialists. The result suggests stabilisation in the asset-quality environment after earlier stress periods.
The decline in I&M's bad loans amid profitability growth indicates that recovery-focused provisioning and borrower-engagement strategies are yielding results. For ResolveIT's audience, this signals that structured recovery—whether through private-treaty negotiation or early intervention—can meaningfully reduce NPL volumes and improve lender returns. However, the scale of remaining NPLs remains material; the continued focus on bad-loan metrics by public banks underscores the ongoing demand for compliant, auditable recovery infrastructure.
- Pre-auction resolutionSettle distressed assets via private treaty before the statutory auction cliff — often at fair-value pricing, with verified buyers and lender-side financing.
- Compliant audit trailEvery notice, consent, offer and bid is timestamped and tamper-evident — examination-ready for CBK, court, and internal audit.
- Faster cycle timeReduce days-to-resolution, lower provisioning drift, and keep cases moving even when statutory escalation is unavoidable.
Source attribution: Read the original at the-star.co.ke