IPDC finance reports 37.6pc profit growth in first half of 2026

IPDC Finance, the country's first private financial institution, reported a 37.6 per cent year-on-year (YoY) growth in net profit after tax, reaching Tk 207 million in the first half of 2026.
The performance was driven by higher net interest income, investment earnings and prudent cost management, according to a press release.
Despite continued domestic and global economic challenges, IPDC maintained steady business momentum through disciplined execution, robust governance and sound risk management. As of June 30, the company's loan portfolio stood at Tk 74,174 million, while total deposits grew 7.9 per cent from December 2025 to Tk 67,166 million, reflecting continued customer confidence and a stable funding base. Sixty per cent of the company's operating income has come from core financing activities which reflects commitments toward a sustainable growth. Additionally, the investment portfolio expanded to Tk 15,341 million, supported by growth in government securities and other investments.
The financial results were approved at a meeting of the board of directors held on August 28.
The gross interest income rose 5.3 per cent YoY to Tk 4,889 million, driven by continued asset growth and disciplined lending. Consequently, net interest income grew 22.5 per cent YoY to Tk 1,168 million. During the second quarter of 2026, net interest income stood at Tk 587 million, marking a 22.6 per cent increase over the same period of the previous year.
Investment income climbed by 39.2 per cent YoY to Tk 786 million, supported by higher returns from government securities and the expansion of the company's treasury portfolio.
Consequently, total operating income rose 28.9 per cent YoY to Tk 2,064 million.
Operating income for the second quarter reached Tk 1,122 million, up by 33.0 per cent from the corresponding quarter of 2025.
Net operating cash flow per share improved to Tk 12.02 in H1 2026 from Tk 8.12 in the corresponding period of the previous year.
Earnings per share (EPS) increased to Tk 0.48 in H1 2026 from Tk 0.35 in the corresponding period of 2025.
Net asset value (NAV) per share stood at Tk 17.01 as of June 30 2026, compared with Tk 17.00 at the end of December 2025.
Commenting on the performance, Rizwan Dawood Shams, managing director of IPDC Finance, said "The confidence our customers place in IPDC is our greatest responsibility. We remain committed to upholding the highest standards of governance, prudent risk management and operational excellence to protect that trust while creating sustainable value for all our stakeholders."
Additionally, Ariful Islam, chairman of IPDC Finance commented, "Our performance reflects the strength of IPDC's core business model. The majority of our income continues to come from financing business and individuals. At IPDC Finance we remain committed to creating actual economic value and fostering sustainable economic growth."