Dfcu Limited has reported a profit after tax of Shs74.9 billion for the year ending December 31, 2025, reflecting a steady improvement in its financial performance.
According to the Group’s financial results, profit increased from Shs72.1 billion recorded in 2024, while earnings per share rose to Shs100.2.
The Group attributed the growth to strong performance by its main subsidiary, dfcu Bank.
The Bank reported a profit after tax of Shs81.5 billion, with total income growing by 16 percent to Shs526 billion.
Results further indicate that non-funded income rose by 20 percent to Shs108 billion, supporting overall earnings during the period.
Customer deposits grew to Shs2.7 trillion, while the loan book expanded to Shs1.3 trillion, with asset quality remaining largely stable.
The Group noted that Uganda’s economy remained relatively stable during the year, although operating conditions tightened.
It added that businesses faced limited liquidity and high funding costs, which affected borrowing and investment decisions.
The report also highlighted that global trade disruptions and geopolitical tensions created uncertainty in the operating environment.
In response, dfcu said it prioritised cost discipline, efficient capital allocation, and operational improvements to sustain performance.
The Bank is now in what it described as a “reengineering phase,” focused on improving efficiency and delivering consistent value to customers and shareholders.
According to the report, digital banking adoption continued to grow, with 68 percent of customers now using the *240# USSD service and mobile lending platforms to access services more conveniently.
Meanwhile, dfcu has recommended a dividend of Shs21.8 per share Shs16.3 billion, reflecting an increase of Shs1.7 from the Shs20.1 per share (Shs15 billion) paid for the year ended December 31, 2024.
“This approach balances shareholder returns with the need to support future growth at acceptable risk levels,” dfcu noted.
The bank also note the successful transition of the Agribusiness Development Center (ADC) to the dfcu Foundation, a move they believe will strengthen efforts to transform lives and businesses within the communities they serve.
