During the period, the total assets and contingencies rose by 6.98% to US$42.9 billion, up from US$40.1 billion as at December 31, 2024 (FY’2024), highlighting the Bank’s consistent growth trajectory.

While Net loans and advances closed at US$28.0 billion (FY 2024: US$29.0 billion), the reduction is largely attributable to unscheduled early repayments by clients whose financial positions have improved on account of enhanced cash flows and stronger foreign-currency positions driven by higher commodity prices.

The Bank’s asset quality remains sound, evidenced by a Non-Performing Loan (NPL) ratio of 2.51%, compared to 2.33% in FY2024.

The Bank’s liquidity position remained strong, with cash and cash equivalents increasing to US$7.6 billion, up from US$4.6 billion in FY2024. This increase was driven by successful and targeted fundraising initiatives and unscheduled early loan repayments from borrowing customers. As a result, the proportion of liquid assets to total assets increased and accounted for 20%, compared to 13% in FY2024. This solid liquidity positions the Group well to support its planned disbursement activities.

Shareholders’ funds grew to US$7.7 billion as at September 30, 2025, supported by internally generated profits of US$654.3 million and new equity inflows of US$224.9 million mobilised under the General Capital Increase II. The reported Shareholders’ funds balances take into account the US$350 million dividend appropriated from FY’2024 profits.

Despite declining benchmark rates, gross income for the nine months to September 2025, rose to US$2.4 billion compared to US$2.3 billion achieved over the same period last year. Operating income also grew by 5.24% to US$1.44 billion, while maintaining strong cost efficiency with a cost-to-income ratio of 21% which is well below the strategic ceiling of 30%.

Resultantly, Net income also grew, increasing from US$642.2 million in 9M’2024, to US$654.3 million in 9M’2025.