IPDC Finance PLC., the first private sector finance company of the country, delivered a strong 25.39% year-on-year (YoY) increase in net profit to BDT 455 million in 2025, underscoring the resilience of its business model amid persistent macroeconomic headwinds. Reflecting this performance and the company’s continued commitment to shareholders, its Board of Directors declared a 10% dividend, comprising 5% cash and 5% stock. The results were supported by robust investment income, higher interest earnings, strategic portfolio diversification, and disciplined cost management, a press release said.
According to the audited financial statements, earnings per share (EPS) rose to BDT 1.11 in 2025. Gross interest income increased 8.50% YoY to BDT 9,560 million, driven by portfolio expansion and prudent lending. Despite a contractionary economic stance, IPDC’s operating income increased 7.43% YoY to BDT 3,484 million, supported by a sharp 93.29% YoY surge in investment income to BDT 1,324 million, driven by stronger treasury yields and strategic portfolio management in the capital market.
IPDC maintained tight control over operating costs through resource optimization, selective recruitment, and improved efficiency. Operating expenses rose a moderate 10.33% YoY to BDT 1,631 million, while operating profit increased 5.01% YoY to BDT 1,853 million. Consequently, net profit after tax reached BDT 455 million, reflecting a strong improvement in overall financial performance.
As of year-end 2025, loans, leases, and advances stood at BDT 74,622 million, up 7.31% YoY. Deposits rose 14.60% YoY to BDT 62,249 million, securing a 12.18% market share and reflecting continued depositor trust and enduring brand resilience.
Supported by higher profitability, Return on Equity (ROE) improved to 6.74%, while Net Asset Value (NAV) per share increased to BDT 17.85. Net Operating Cash Flow per Share (NOCFPS) stood at BDT 9.94, highlighting significantly stronger cash generation from core operations and positioning the company for sustained future growth.
The company’s Managing Director, Rizwan Dawood Shams, stated, “2025 was a year of disciplined execution and strategic resilience for IPDC. Despite a challenging macroeconomic environment, we strengthened our earnings base through diversified income streams across various products and prudent cost management. Our focus on portfolio quality, efficient capital deployment, and strong risk governance enabled us to deliver sustainable profitability while reinforcing balance sheet strength. We remain committed to creating long-term value for our stakeholders through responsible growth and financial stability.”
