In this episode recorded on 25.03.2024, we host Kihara Maina - Regional CEO and Billy Ng'etich - Acting CFO from I&M Group as we break down I&M Group’s 2023 financial performance. We also cover interest income trends in a rising interest rate environment, monetizing digital transactions, risk-based pricing model, unlocking shareholder value, and subsidiary performance. Subscribe to get notified when we make a new post. Show Notes 00:00:00 Introduction 00:01:04 Overview of FY 23 Results 00:01:47 Interest Income vs Interest Expense 00:03:00 Non-Funded Income, NPLs, and Interest Income Trends 00:09:02 Bottom Line, ROE, and Investments 00:16:31 Lending Rate and Risk-Based Pricing Model 00:20:27 Strategy, Positioning, and Products 00:23:46 Dividend Payout Ratio and SLLR 00:28:46 Acquisition by East Africa Growth Holding 00:29:26 Unlocking Shareholder Value and Subsidiary Performance 00:32:51 Monetizing Digital Transactions and G2G Transactions 00:37:29 2024 Outlook This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mwangocapital.substack.com