In this episode recorded on March 26, 2026, we break down I&M Holdings FY2025 results with the CFO, David Ngata.
We unpack earnings drivers, balance sheet shifts, subsidiary performance, and outlook heading into 2026
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Show Notes
00:00:00 Introduction
00:03:30 FY 2025 Highlights and Restatement of 2024 Financials
00:08:13 Interest Income, Customer Deposits, and Loan Growth
00:16:22 Wealth Management, Asset Quality, and NPLs
00:20:15 OpEx, CapEx, and Regional Performance
00:27:55 Capital Allocation, Digital Banking, and AI
00:33:30 Impacting Communities
00:35:20 Banking App, AI in Lending, Loans to Related Parties, and Governance
00:39:30 Increased Investment in G-Secs, Rates Outlook, and Strategy
00:42:49 Life Advice and Closing Remarks
