African Export-Import Bank (Afreximbank Group), on Thursday released its performance scorecard for the full-year ended December 31, 2025, showing that gross income rose by a marginal 6.06% to $3.5bn, from the previous $3.3bn, but was outpaced by the net income growth of 18.83% from $973.5m in 2024, to $1.156bn in what it said underscores the group’s “sustained financial resilience, increased market confidence and strategic execution.”
Total assets and contingencies for the year rose by 21% to US$48.5 billion from US$40.1 billion in the corresponding period of 2024, as part of its consistent growth trajectory.
Net loans and advances for the Group closed the year at US$33.5 billion from US$29.0 billion, an increase of 16%, supported by continued disbursements across the continent and the Caribbean through various product offerings. 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% from 2.33%), in the prior year, demonstrating consistent portfolio quality.
Liquidity position remained robust, with cash and cash equivalents at US$6.0 billion, compared to US$4.6 billion in 2024, just as liquid assets accounted for 14% of total assets, above the Bank’s strategic minimum level of 10%.
Shareholders’ funds grew by 17% to US$8.4 billion as at 31 December 2025, driven by net income of US$1.2 billion, and new equity inflows of US$299.4 million raised under the General Capital Increase II.
Operating expenses increased to US$459.2 million up from US$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% compared to 18%, well below the strategic ceiling of 30%.
Contrary to concerns raised by some rating agencies during the year, Afreximbank recalled that it accessed the international bond markets and successfully raised over US$800 million from Japan and China, courtesy of the Samurai and Panda bonds in 2025.
This, the statement added, 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.
Net income increased by 19% to US$1.2 billion in 2025, up from US$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.
Commenting on the scorecard, Denys Denya, Afreximbank’s Senior Executive Vice President, said that “despite continuing global geopolitical challenges and disruptions caused by some rating actions, the Group delivered excellent financial performance in 2025, a fitting tribute to a decade of consequential leadership under Professor Oramah, with total assets and contingencies reaching $49 billion.
“Pleasingly, the Group is way ahead on most of it targets in delivery on its 6th Strategic plan that ends on 31 December 2026. With recently established subsidiaries such as FEDA and AfrexInsure becoming profitable, Net income grew by 19% to stand at US$1.2 billion, underpinned by a strong capital base of US$8.4 billion,” added.
Continuing, Denya assured that “the Group’s balance sheet is at its strongest level ever, with liquidity levels and capitalisation well above target and good asset quality. These results are a testament to the unwavering execution by the Group’s hard working human capital. We entered 2026 financial year with significant momentum, ready to scale the Group’s impact, accelerate trade integration and value addition across Global Africa, and deliver greater value to our shareholders.”
