Rs 10.4bn
Revenue
19.5%
Return on equity
Rs4.6bn
Profit after tax
39.6%
Cost-to-income ratio
Rs 115.4bn
loans and advances
0.6%
Credit loss ratio
Rs22.1.2m
Training investment
94%
Employee retention rate
39%
Women in middle management
Rs 7.8bn
Sustainable financing asset book
Rs 164.9bn
Deposits from customers
19.3%
Capital adequacy ratio
A message from the Managing Director, Ravin Dajee
“The year saw strong performance and momentum in delivering on our priorities, driven by the dedication of our people, the trust of our customers, advancement of our digital capabilities and the disciplined execution of our strategy .”
A message from the Chairman, Iqbal Rajahbalee
"Disciplined execution, successful diversification and above all, the quality and commitment of our people, delivered robust results in 2025."
Find out more
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Financial highlights
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Value creation model
We execute our business activities and fulfil our purpose through an efficient ecosystem that includes pioneering digital solutions and an engaged workforce. This workforce comprises branch staff, relationship managers, support teams, back-office personnel and control functions.
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Strategy
Strategic direction
We aspire to be a first-class Pan-African bank, empowering Africa's tomorrow, together... one story at a time. Our strategy revolves around five core pillars to make this vision a reality.
Charting the path to outperformance
