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The Ordinary General Assembly approved the financial statements for the 2025 fiscal year, reporting net profits of EGP 1 billion and approving bonus share distributions to shareholders. The bank’s 2025 financial results reflected a comprehensive quantitative and qualitative transformation in its financial and operational performance, driven by the implementation of a comprehensive restructuring plan launched by the bank’s management in mid-2024. The initiative aims to strengthen the bank’s position in the banking sector and enhance its role in financing industry and supporting the national economy.

Hussein Refaie, Chief Executive Officer and Managing Director, stated that the bank had successfully moved from addressing structural challenges to achieving strong, sustainable growth, supported by a clear strategy. This progress has translated into improved operational efficiency, stronger growth momentum, and an enhanced ability to generate profits.

The bank’s financial results revealed continued strong performance in 2025 compared to the previous year, 2024, as a direct outcome of its restructuring efforts.

The bank’s total financial position increased to EGP 64.9 billion at the end of 2025, representing 31% growth year-on-year. Customer deposits rose to EGP 52.1 billion, up 44%, while the loan portfolio reached EGP 34.6 billion, recording growth of 34%.

Driven by the expansion of its business activities, the bank’s operating income increased to EGP 3.6 billion in 2025, representing 33% growth. Profit before taxes and impairment provisions reached EGP 2.5 billion, up 47%, while net profit amounted to EGP 1 billion for the first time in the bank’s history. This milestone reflects the bank’s transition towards a new phase of financial performance.

The qualitative transformation also extended to the quality of the bank’s credit portfolio. The non-performing loan (NPL) ratio declined to 8.1% at the end of 2025, compared to 13.9% in 2024. Meanwhile, the provision coverage ratio increased to 126%, compared to 97% in 2024, reflecting improved asset quality indicators and stronger risk management capabilities.

Regarding its development-oriented role, Akram Tinnawi, Non-Executive Chairman of the Board, emphasized the bank’s continued commitment to strengthening its contribution to financing strategic projects across several sectors, including industry, energy, urban development, and clean energy projects. These efforts also contribute to diversifying the bank’s income sources.

The bank has also maintained its commitment to corporate social responsibility by participating in several initiatives aimed at supporting the most vulnerable segments of society and promoting sustainable development, in alignment with the government’s priorities.

Furthermore, the bank has approved a plan to develop its branch network, including opening new branches and modernizing and renovating existing ones in line with its updated corporate identity. The initiative aims to enhance the customer experience, facilitate access to banking services, expand the customer base, and develop products and services in response to market needs.

On the digital transformation front, the bank allocated approximately EGP 500 million to technological development during 2025, as part of a five-year plan involving targeted investments of EGP 3 billion. The plan aims to upgrade core banking systems, strengthen digital channels, enhance cybersecurity, automate operations, and develop mobile banking services.

The financial results were not the only highlight of the bank’s transformation. IDB received several international awards in recognition of its achievements, including the Outstanding Achievement Award in Supporting SMEs and the Leading Bank in Industrial Finance Award from The Global Economics, in addition to the Excellence in Restructuring in Africa 2025 Award from International Business Magazine. These accolades recognize the bank’s efforts to enhance its performance and strengthen its role in financing industry and business projects.

Hussein Refaie, Chief Executive Officer and Managing Director of IDB, concluded that the achievements recorded in 2025 represent a significant milestone in the bank’s journey, reflecting its successful transition into a new phase of quantitative and qualitative development and expansion, built on strong financial and operational foundations.

Refaie further noted that achieving net profits exceeding EGP 1 billion for the first time in the bank’s history, alongside approving bonus share distributions to shareholders for the first time in 20 years, represents the outcome of the bank’s development, restructuring, and operational efficiency enhancement efforts.

He reaffirmed the bank’s commitment to continuing the implementation of its strategy to build an integrated banking model capable of balancing profitability, sustainability, and growth, thereby strengthening its position as a fully-fledged commercial bank and a financial institution supporting the national economy.