Invest in I&M Bank | I&M Bank - Rwanda



The Bank closed the financial year of 2017 with excellent results and strengthened its positions as one of the most important players in the banking industry.

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Press release of results at 31st December 2017

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Investor Briefing as at 31 December 2017

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Annual General Meeting




Q2 2018 Results release

Invest in I&M Bank

Investing in I&M Bank Rwanda means investing in Rwanda’s best financial service provider, with 55 years of experience behind it and a future that it intends to build around the pursuit of sustainable and profitable growth for communities, clients, employees and shareholders.

With an Asset base of FRW 260 Billion as at 31 December 2017, I&M Bank Rwanda is regulated by the National Bank of Rwanda ( BNR ) as a commercial bank and has a network of 17 outlets spread out across the country.

Following the 2012 acquisition of 80% shares by I&M Holdings from ACTIS, the Bank now boasts of a regional presence with operations in Rwanda, Kenya, Tanzania and Mauritius (as Bank One).

In February 2017, the Bank’s shares previously owned by the Government of Rwanda were issued to the public through an IPO, and are currently traded on the Rwanda Stock Exchange (RSE).

In 2017, it was recognized by the Rwanda Development Board Business Excellence Award as “2017 Best service provider of the year”.

In 2018, the Bank was also awarded the “Best Customer Service” & “Best SME Bank” in Rwanda by the Global Banking & Finance Review.


Return on Equity (ROE)

Ratio: 18.6%


Return on Asset (ROA)

Ratio: 2.5%


Cost to Income Ratio (CIR)

Ratio: 57.3%


*Rwf (Billions)Dec-17Dec-16YoY var.
Net Interest Income17.514.620%
Operating Income23.621.410%
Operating Expenses-13.2-12.46%
Profit Before Tax (PBT)9.88.417%
Profit After Tax (PAT)6.55.812%
*Frw (Billions)Dec 2017Dec 2016Y.o.Y variance
Loans & Advances to customers147.6111.133%
Total Assets260.1206.126%
Customer Deposits209.1160.930%
Total Liabilities225.1175.728%
Total Equity35.130.415%


Loans & Advances

Total Assets

Total Deposits

share information

Shareholding Structure


BCR Investment Company









Individual investors


Reports & Presentations


Q4 2017 Investor Briefing



The Q3 2017 Investor Briefing



The Q4 2016 Annual Report


Important Info

I&M Bank Rwanda Plc held its first Annual General Meeting of shareholders (AGM) on 28th May 2018.
Venue: Kigali Convention Centre, Kigali – Rwanda

Find here the summary of items discussed and agreed course of action.

For more information, Contact us here below or via email at

Frequently Asked Questions

I&M Bank (Rwanda) Plc
KN 03 AVE 9
P.O. BOX 354
Kigali, Rwanda
As at 31 December 2017, I&M Bank Rwanda operates 16 branches throughout Rwanda. To find out more, click here.
I&M Bank Rwanda is structured to cater to all customers. Our customers are segmented under Business & Personal in order to provide to their individual needs.
The Bank recently introduced the “Diaspora” Banking, for individuals living outside who consider Rwanda as an attractive international destination to choose to have financial dealings with.
Find out more about I&M Bank Rwanda’ Vision and Mission here.
I&M Bank Rwanda reports its financial information at the end of every quarter.
At the Annual General Meeting held on 28th May 2018, Pricewaterhouse Coopers Rwanda (PwC Rwanda) was approved to as the independent auditor for the year 2018.
I&M Bank Rwanda is regulated by the National Bank of Rwanda (BNR).
As a publicly listed company, the Bank is regulated by the Rwanda Stock Exchange (RSE) and by the Capital Market Authority (CMA)
I&M Bank’ financial year ends 31st December.
I&M Bank Rwanda shares trade on the Rwanda Stock Exchange under the ticker “IMR”.
I&M Bank Rwanda IPO was in March 2017. The initial offering price was Rwf 90.
I&M Bank Rwanda has a dividend payout policy equal to 40% of the Bank's audited IFRS-based Net Income.
The Bank's share price are updated on daily basis on the "Share Information" of this page. The information can also be found on the Rwanda Stock Exchange website.
I&M Bank Rwanda shares can be purchased through any licensed stock brokers in Rwanda.
A detailed list can be found on the Rwanda Stock Exchange website.
Anyone is qualified to buy I&M Bank shares.
Anyone is qualified to buy I&M Bank shares. All you need is a CSD account number. A CSD account number is an electronic account that holds your shares.
To open a CSD account, all you need is to visit a stock broker of your choice with national identification document (National ID or passport).
Once you purchase I&M Bank Rwanda shares, your stock broker will provide you with a proof of purchase. You will be provided a statement of how much shares you have.
Minimum shares one can purchase is 1000 shares. Any additional shares will be in multiples of 100.
The Annual meeting of shareholders is held once every year. On 28th May 2018, the Bank held its first Annual General Meeting at Kigali Convention Centre.
When I&M Bank Rwanda declares issuance of dividends, the amount will be deposited into your account at I&M Bank Rwanda, or a cheque will be provided to you to be deposited in your Bank.
Dividends are subject to withholding tax of 5% for resident taxpayers of the East African Community and 15% for non-resident taxpayers of the East African Community.