IPDC Finance, the first non-bank financial institution in Bangladesh’s private sector, delivered robust financial performance in 2025, demonstrating resilience amid continued global economic uncertainty and domestic market challenges. Despite a demanding operating environment, the company maintained consistent growth in earnings and strengthened cost control measures, resulting in a positive trajectory in overall profitability.
In 2025, IPDC’s profit after tax rose by 25.39 per cent year-on-year to reach 455 million taka. This notable growth was attributed to disciplined business execution, strengthened risk management practices, and effective cost optimisation strategies. The company also declared a total dividend of 10 per cent for shareholders, comprising an equal split between cash and bonus shares, reflecting its commitment to shareholder value.
Financial disclosures indicate that earnings per share increased to 1.11 taka. Total interest income grew by 8.50 per cent to 9,560 million taka, while operating income rose by 7.43 per cent to 3,484 million taka. A particularly striking performance was observed in investment income, which surged by 93.29 per cent to 1,324 million taka, supported by effective treasury management and strategic capital market investments.
Although operating expenses increased by 10.33 per cent, the institution succeeded in preserving profitability momentum through improved efficiency and prudent financial management. Operating profit rose by 5.01 per cent to 1,853 million taka, underscoring operational resilience. Enhancements in human resource productivity and asset utilisation further contributed to financial stability throughout the year.
By the end of 2025, the company’s loan, lease, and advance portfolio stood at 74,622 million taka, reflecting a 7.31 per cent increase compared with the previous year. Deposits recorded a stronger growth of 14.60 per cent, reaching 62,249 million taka. As a result, IPDC achieved a market share of 12.18 per cent, signalling sustained customer confidence and strong brand positioning within the financial services sector.
Key Financial Indicators (2025)
| Indicator | 2025 Value | Change |
|---|---|---|
| Profit after tax | 455 million taka | +25.39% |
| Earnings per share | 1.11 taka | Increase |
| Total interest income | 9,560 million taka | +8.50% |
| Operating income | 3,484 million taka | +7.43% |
| Investment income | 1,324 million taka | +93.29% |
| Loans & advances | 74,622 million taka | +7.31% |
| Deposits | 62,249 million taka | +14.60% |
Return on equity stood at 6.74 per cent, while net asset value per share reached 17.85 taka. Net operating cash flow per share was recorded at 9.94 taka, indicating a stable liquidity position and a solid foundation for future expansion.
Managing Director Rizwan Dawood Shams stated that the institution’s 2025 performance was the result of disciplined strategic execution, tight cost management, and strengthened risk oversight. He further emphasised that future growth would focus on diversifying financial products and enhancing asset efficiency to ensure sustained and stable expansion.
Overall, IPDC’s 2025 results reflect strengthened financial resilience, improved operational efficiency, and reinforced long-term growth prospects in an evolving economic landscape.