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KAMPALA – Housing Finance Bank has reported impressive financial results for the year ended December 31, 2025, showcasing consistent growth in profitability, assets, loans, and customer deposits. The bank’s profit after tax increased by 20% to Ugandan Shillings 85.4 billion, rising from Ug. Shs 71.1 billion in 2024. Total assets grew by 15% to Ug. Shs 2.70 trillion, and customer deposits rose by 14% to Ug. Shs 1.95 trillion, reflecting ongoing trust and confidence in the institution.
Net loans and advances also saw a significant increase, climbing by 11% to Ug. Shs 1.20 trillion. This growth was driven by sustained financing efforts to households, enterprises, and key sectors vital to the economy. The results highlight the bank’s disciplined execution of its strategic priorities, continued investment in innovation, and unwavering commitment to financial inclusion and sustainable development.
Josephine N. Mukumbya, Chairperson of the Board, commented on the results, emphasizing that the performance underscores strong governance and strategic discipline. She expressed pride in the resilience of the bank’s business model and its dedication to fostering a sustainable future. Mukumbya noted that the bank remains committed to responsible growth within a robust governance and risk management framework, aligning with its High Impact Goals.
She also reaffirmed the bank’s focus on financial inclusion, affordable housing, enterprise development, and sustainable finance as foundational pillars of long-term value creation.
Managing Director Michael K. Mugabi highlighted that the results are a testament to the effective execution of the bank’s purpose-led strategy. He pointed out that the 2025 performance was driven by portfolio expansion, enhanced operational efficiency, and deeper customer engagement. Mugabi stressed that the bank’s solutions are increasingly relevant in supporting individuals, households, and businesses across Uganda.
The bank’s strategic plan for 2023–2027, along with its High Impact Goals, continued to guide its impactful initiatives. In 2025, Housing Finance Bank reached over 8 million Ugandans through digital lending channels, supported more than 2,500 households in accessing affordable housing, financed over 4,200 enterprises, and disbursed funds to over 2,000 SACCOs under the Parish Development Model.
In its housing ecosystem, the bank strengthened its offerings through innovative solutions like Zimba Mpola Mpola, enabling more than 2,500 customers to progressively build homes aligned with their income cycles. Enterprise financing was expanded via initiatives such as the Agricultural Credit Facility and the Small Business Recovery Fund, bolstering business resilience and economic recovery. Additionally, the bank allocated Ug. Shs 56 billion toward agro-industrialization, contributing to sustainable livelihoods and value chain development.
Expanding its reach, the bank added new branches in Masaka, Soroti, and Nansana, bringing its total to 21 branches nationwide. Digital transformation efforts continued, with investments in digital banking platforms enhancing customer experience through improved service delivery, quicker transactions, and greater convenience.
The bank’s dedication to governance and sustainability was reinforced through achieving ISO 27001:2022 certification, strengthening its information security framework. It also advanced toward sustainable finance certification, integrating environmental, social, and governance (ESG) principles into its operations, further solidifying stakeholder trust and commitment to responsible banking.
Related
, https://pmldaily.com/business/2026/04/housing-finance-bank-reports-20-profit-increase-and-sustained-growth-in-2025.html
