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IPDC Finance has reported a 25.4 per cent year-on-year growth in profit to Tk 455 million for 2025, supported by robust investment income amid macroeconomic challenges.
Earnings per share (EPS) rose to Tk 1.11 in the year from Tk 0.93 in the previous year, according to a disclosure published on Tuesday.
The non-bank financial institution delivered this performance in a difficult business environment marked by inflationary pressures, leveraging a well-managed portfolio and improved operational efficiency.
"The results were supported by robust investment income, higher interest earnings, strategic portfolio diversification, and disciplined cost management," the company said in a statement.
Managing Director Rizwan Dawood Shams said the institution strengthened its earnings base through diversified income streams 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," he said, adding that the company remains committed to long-term value creation.
Gross interest income increased 8.50 per cent year-on-year to Tk 9.56 billion, driven by portfolio expansion and prudent lending practices.
Operating income rose 7.43 per cent to Tk 3.48 billion, largely due to a sharp 93.29 per cent surge in investment income to Tk 1.32 billion, buoyed by higher treasury yields and strategic capital market exposure.
The company maintained tight control over operating expenses through resource optimisation, selective recruitment, and efficiency gains.
Operating expenses grew moderately by 10.33 per cent to Tk 1.63 billion, while operating profit climbed to Tk 1.85 billion, reflecting overall financial resilience.
As of December 2025, loans, leases, and advances stood at Tk 74.62 billion, marking a 7.31 per cent increase year-on-year.
Deposits rose 14.60 per cent to Tk 62.25 billion, securing a 12.18 per cent market share and indicating sustained depositor confidence.
Based on the profit growth, the board has recommended a 5 per cent cash dividend and a 5 per cent stock dividend for 2025, subject to regulatory and shareholder approval at the upcoming annual general meeting.
The company said the stock dividend would help strengthen its capital base to support future business expansion.
Meanwhile, the stock of IPDC closed at Tk 18.70 on Tuesday on the Dhaka bourse, remaining unchanged from the previous day.
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