IDLC sees profit, deposit growth despite economic challenges

IDLC Finance PLC posted a strong financial performance for the year ended 31 December 2025, reporting steady growth across key indicators despite ongoing macroeconomic challenges.

The IDLC group recorded a consolidated net profit after tax of Tk243.4 crore, marking a 22% year-on-year increase. Earnings per share rose to Tk5.58 from Tk4.59 in 2024, reflecting continued profitability and operational efficiency.

Customer confidence remained strong throughout the year, with deposits reaching Tk10,650 crore, up 27% year on year. The group's loan portfolio also grew to Tk12,278 crore, registering 8% growth over the same period.

Key performance ratios improved during the year. Return on equity rose to 11.63%, while return on assets increased to 1.48%, reflecting the company's ability to generate value from its asset base.

The company maintained prudent credit discipline, with its non-performing loan ratio standing at 4.43%, which it said remained well below the industry average. At the same time, the provision coverage ratio reached 109%, reinforcing IDLC's focus on maintaining a resilient balance sheet and protecting stakeholder interests.

IDLC's subsidiaries – IDLC Securities Limited, IDLC Investments Limited and IDLC Asset Management Limited – also posted steady performances, contributing to the group's overall growth and strengthening its position as a diversified financial services provider.

The board of directors approved the financial statements for 2025 at the company's 364th board meeting, held at IDLC's corporate head office in Gulshan, Dhaka, on 16 March 2026.

The board has proposed a 15% cash dividend and a 5% stock dividend for shareholders for the year. The company will hold its annual general meeting on 14 May 2026, while the record date has been fixed for 19 April 2026.

Commenting on the performance, IDLC Finance Chairman Kazi Mahmood Sattar said, "The results of 2025 reflect the resilience of our business model and the continued trust placed in IDLC by our customers and stakeholders. Despite a challenging economic environment, the organisation remained focused on disciplined growth, sound risk management and long-term value creation.

"Going forward, we will continue strengthening governance, expanding responsible financial solutions and supporting Bangladesh's evolving economic landscape."

IDLC said it remains focused on building a sustainable, well-governed and forward-looking financial services platform to serve the changing needs of customers and contribute to the country's economic progress.