African Export-Import Bank (Afreximbank) has achieved 21 per cent increase in total assets and contingencies to $48.5 billion for the 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 for the Group hit $33.5 billion, up from $29.0 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 priorities areas such as manufacturing, infrastructure, food security and climate adaptation.

The group’s non-performing loan (NPL) ratio remained stable at 2.43 pee 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 $6.0 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 2024 financial year to $3.5 billion in 2025 while operating expenses increased to $459.2 million from $367.7 million,  reflecting strategic staff expansion, and inflationary pressures with the Group maintained strong cost efficiency resulting in a cost-to-income ratio of 21 per cent from 18 per cent in 2024.

“Contrary to concerns raised by some rating agencies during the year, the Bank accessed international bond markets by successfully raising over $800 million from Japan and China, courtesy of the Samurai and Panda bonds in 2025.

“This demonstrated the group’s fund-raising capabilities and the solid nature of the bank’s DNA as a pan-African multilateral financial institution committed to ensuring that Africa’s full and sustainable self-reliance remain firm.”

In addition, the bank’s net income increased by 19 per cent to $1.2 billion in 2025 up 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.

He described the impressive performance as a fitting tribute to a decade of impactful leadership under Professor Benedict Oramah, with total assets and contingencies reaching $49 billion.

He noted that the group is ahead of most of its targets under its Sixth Strategic Plan, which runs through December 31, 2026, adding that recently established subsidiaries, including FEDA and AfrexInsure, have become profitable, while net income rose by 19 per cent to $1.2 billion, supported by a robust capital base of $8.4 billion.

Denya assured that the group’s balance sheet is at its strongest level to date, with liquidity and capitalisation well above targets alongside solid asset quality, attributing the performance to disciplined execution by the bank’s workforce.

He also added that the group has entered the 2026 financial year with strong momentum and is well positioned to scale its impact, deepen trade integration and value addition across Global Africa, and deliver enhanced value to shareholders.