IPDC Finance PLC, the country’s first private sector financial institution, reported a strong financial performance for 2025, with net profit rising by 25.39 per cent year-on-year to BDT 455 million. The results underscore the company’s operational resilience amid a challenging macroeconomic environment and reflect the effectiveness of its diversified business strategy.
Despite broader economic pressures, the Board of Directors has declared a 10 per cent dividend for shareholders, comprising 5 per cent cash and 5 per cent stock. Management attributed the improved performance to higher interest income, a sharp rise in investment returns, disciplined cost control, and a well-balanced portfolio approach.
Key Financial Highlights (2025)
| Indicator |
2025 Value |
Year-on-Year Change |
| Net Profit |
BDT 455 million |
+25.39% |
| Earnings per Share (EPS) |
BDT 1.11 |
Increased |
| Total Interest Income |
BDT 9,560 million |
+8.50% |
| Operating Income |
BDT 3,484 million |
+7.43% |
| Investment Income |
BDT 1,324 million |
+93.29% |
| Operating Expenses |
BDT 1,631 million |
+10.33% |
| Operating Profit |
BDT 1,853 million |
+5.01% |
| Loans, Leases & Advances |
BDT 74,622 million |
+7.31% |
| Deposits |
BDT 62,249 million |
+14.60% |
| Return on Equity (ROE) |
6.74% |
Improved |
| Net Asset Value per Share |
BDT 17.85 |
— |
| Net Operating Cash Flow per Share |
BDT 9.94 |
— |
The company’s investment income recorded a remarkable increase of 93.29 per cent, reaching BDT 1,324 million, largely driven by effective treasury yield management and strategic positioning in the capital market. Meanwhile, operating income grew by 7.43 per cent to BDT 3,484 million, supported by stronger core business performance.
On the balance sheet side, IPDC demonstrated steady expansion. Loans, leases, and advances increased by 7.31 per cent to BDT 74,622 million, while deposits rose by 14.60 per cent to BDT 62,249 million. This helped the institution secure a 12.18 per cent market share, reflecting continued customer trust and brand stability.
Cost discipline also remained a key focus, with operating expenses rising moderately by 10.33 per cent to BDT 1,631 million. As a result, operating profit increased to BDT 1,853 million, while earnings per share improved to BDT 1.11.
In terms of shareholder value, Return on Equity rose to 6.74 per cent, while Net Asset Value per share stood at BDT 17.85. Net Operating Cash Flow per share reached BDT 9.94, signalling healthy liquidity generation and supporting long-term sustainability.
Commenting on the performance, Managing Director Rizwan Dawood Shams stated that 2025 was marked by disciplined execution and strategic stability. He emphasised that the company had strengthened its revenue base through product diversification while maintaining strict cost control. According to him, a continued focus on portfolio quality, efficient capital utilisation, and robust risk management enabled IPDC to deliver sustainable profitability and reinforce its balance sheet strength.
Looking ahead, the institution aims to sustain responsible growth while enhancing long-term returns for shareholders through continued financial discipline and strategic expansion.
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