IDLC Finance PLC has reported a strong financial performance for the first nine months of 2025, posting a 41% year-on-year profit growth. The company’s consolidated net profit after tax (NPAT) stood at Tk 176.3 crore, compared to the same period last year, reflecting sustained momentum in its diversified business model and effective risk management.
For the July–September 2025 quarter, IDLC’s consolidated profit reached Tk 67.5 crore, marking a 35% increase from the same quarter in 2024. The company’s earnings per share (EPS) rose to Tk 4.04, up from Tk 2.87, while return on equity (ROE) improved to 11.39% from 8.65%, and return on assets (ROA) climbed to 1.48% from 1.14%, underscoring improved capital efficiency and operational productivity.
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On a standalone basis, IDLC’s NPAT reached Tk 136.5 crore, a 29% year-on-year increase, driven by growth in both term deposits and lending activities. The company’s term deposits expanded 23% to Tk 10,407 crore, while its loan book grew by 8% to Tk 12,167 crore, demonstrating strong customer trust and portfolio stability.
In addition to profit growth, the company maintained a non-performing loan (NPL) ratio of 4.71%, an improvement from last year’s 4.98%, and well below the industry average. The provision coverage ratio remained robust at 101.75%, highlighting IDLC’s focus on maintaining asset quality and prudence in credit management.
Managing Director and CEO M. Jamal Uddin said, “This performance reflects the strength of our diversified business model and disciplined risk management. We remain focused on long-term value creation for our customers while balancing profitability with purpose.”
The company’s growth was supported by effective treasury management, strong liquidity, and disciplined cost control across its business lines. IDLC continued to diversify its revenue streams through expansion in SME, retail, and corporate financing, as well as capital market and investment services, ensuring stability amid a challenging economic environment.
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At its 357th Board Meeting, held at the corporate head office in Gulshan, Dhaka, the Board of Directors approved the financial statements for the third quarter of 2025. The management reaffirmed its commitment to enhancing customer experience, digital innovation, and sustainable growth through efficient portfolio management and responsible lending practices.
With strong profit growth, rising deposits, and improved financial indicators, IDLC Finance PLC continues to strengthen its position as one of Bangladesh’s most trusted and well-managed financial institutions, combining profitability with purpose-driven growth.