African Export-Import Bank (Afreximbank) achieved a 21 per cent increase in total assets and contingencies, raising the figure to $48.5 billion in its 2025 operations, against $40.1 billion recorded in the corresponding period in 2024.

This is an indication of the bank’s credit sustained financial resilience, increased market confidence and strategic execution.

A breakdown of the bank’s 2025 financial performance showed that net loans and advances of the group hit $33.5 billion, up from $29 billion posted in 2024, representing an increase of 16 per cent.

According to the bank, this was supported by continued disbursements across the continent and the Caribbean through various product offerings as the group funded strategic priority sectors such as manufacturing, infrastructure, food security and climate adaptation.

The group’s non-performing loan (NPL) ratio remained stable at 2.43 per cent against 2.33 per cent in the previous year, demonstrating consistent portfolio quality, while liquidity position remained robust with cash and cash equivalents at $6 billion from $4.6 billion in 2024.

The bank disclosed that liquid assets accounted for 14 per cent of its total assets, above the bank’s strategic minimum level of 10 per cent.

Also, shareholders’ funds grew by 17 per cent to $8.4 billion as at 31 December 2025, driven by net income of $1.2 billion and new equity inflows of $299.4 million raised under the General Capital Increase II.

Its gross income increased by 6.06 per cent from $3.3 billion achieved in the 2024 financial year to $3.5 billion in 2025, while operating expenses increased to $459.2 million from $367.7 million, reflecting staff expansion and inflationary pressures, with the group maintaining strong cost efficiency. The cost-to-income ratio rose slightly to 21 per cent from 18 per cent in 2024.

The bank’s net income increased by 19 per cent to $1.2 billion in 2025 from $973.5 million in the prior year.

These results were achieved through the expanded delivery of tailored financial and advisory solutions that supported trade, fostered industrialisation and enhanced economic self-reliance.

Afreximbank’s Senior Executive Vice President, Denys Denya, said the group delivered strong financial performance in 2025 despite persistent global geopolitical challenges and disruptions arising from rating actions.