I&M Group Balance Sheet Health
Financial Health criteria checks 4/6
I&M Group has total assets of KES564.4B and total equity of KES92.8B. Total deposits are KES439.0B, and total loans are KES284.2B earning a Net Interest Margin of 6.3%. It has insufficient allowance for bad loans, which are currently at 12.3% of total loans. Cash and short-term investments are KES61.7B.
Key information
6.1x
Asset to equity ratio
6.3%
Net interest margin
| Total deposits | KSh439.02b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 12.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | KSh61.72b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: IMH's Assets to Equity ratio (6.1x) is low.
Allowance for Bad Loans: IMH has a low allowance for bad loans (39%).
Low Risk Liabilities: 93% of IMH's liabilities are made up of primarily low risk sources of funding.
Loan Level: IMH has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: IMH's Loans to Deposits ratio (65%) is appropriate.
Level of Bad Loans: IMH has a high level of bad loans (12.3%).