IPDC Finance PLC, one of Bangladesh’s pioneering private-sector financial institutions, delivered a strong financial performance in 2025, demonstrating resilience amid ongoing global and domestic macroeconomic pressures. The company reported a 25.39 per cent year-on-year increase in post-tax net profit, reaching BDT 455 million, reflecting improved operational efficiency, disciplined risk management, and strengthened cost control measures.
The Board of Directors has approved a total dividend of 10 per cent for shareholders, comprising 5 per cent in cash and 5 per cent in bonus shares. This decision is underpinned by steady earnings growth, diversified income streams, and prudent financial planning throughout the year.
Key Financial Highlights (2025)
| Indicator | 2025 Figure | Year-on-Year Change |
|---|---|---|
| Post-tax 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% |
| Loans & Advances | BDT 74,622 million | +7.31% |
| Deposits | BDT 62,249 million | +14.60% |
The financial statements reveal that earnings per share rose to BDT 1.11, supported by broad-based income expansion. Total interest income increased by 8.50 per cent to BDT 9,560 million, while operating income grew by 7.43 per cent to BDT 3,484 million. Notably, investment income surged by 93.29 per cent to BDT 1,324 million, driven largely by improved treasury performance and an active portfolio strategy in the capital market.
Despite a 10.33 per cent rise in operating expenses, the institution maintained efficiency, resulting in a 5.01 per cent increase in operating profit, which stood at BDT 1,853 million. This indicates sustained operational discipline and effective resource utilisation across business segments.
At the end of 2025, the company’s loans and advances portfolio expanded to BDT 74,622 million, reflecting 7.31 per cent growth, while deposits rose significantly by 14.60 per cent to BDT 62,249 million. This contributed to a market share of 12.18 per cent, underscoring growing customer confidence and brand strength within the financial services sector.
Profitability indicators also showed improvement. Return on equity increased to 6.74 per cent, while net asset value per share rose to BDT 17.85. Net operating cash flow per share stood at BDT 9.94, indicating a stable liquidity position and a solid foundation for future expansion.
Managing Director Rizwan Dawood Shams stated that disciplined strategy execution, tight cost control, and effective risk governance were central to achieving sustainable growth in 2025. He further noted that diversification of income sources and enhanced asset management practices would continue to support long-term financial stability and expansion.
Overall, the 2025 results highlight IPDC’s strengthened financial footing, improved operational resilience, and sustained competitive position within Bangladesh’s non-banking financial sector.