Granting loans at the forefront of HD Bank's investment trends by the end of March 2025

The Independent financial statements of the Housing and Development Bank, ending last March 31, revealed a slight increase in its total asset portfolio to reach 176.81 billion pounds by the end of March 2025, compared to 176.46 billion by the end of 2024.By monitoring the bank’s investment direction by the end of March 2025, the following became clear:

Housing and Development Bank is working to pump and employ the largest percentage of its funds in granting loans and facilities to its customers, at a greater rate than other indicators, and below we monitor the relative weight of those indicators at the end of last March.

Customer loans and facilities

The bank's net portfolio of customer loans and facilities recorded an increase in the relative weight of the portfolio, thus occupying the largest percentage of the bank's assets with a relative weight of 30.3% at the end of March 2025, compared to a relative weight of 28.9% of the bank's assets at the end of 2024.

The bank’s net portfolio of customer loans and facilities witnessed a growth rate of 5.1% and an increase of 2.59 billion pounds during the first quarter of this year, reaching 53.58 billion pounds by the end of March 2025, compared to 50.99 billion by the end of 2024.

Balances with banks

«Ebank» balances with banks received the second largest relative weight out of the bank’s total asset portfolio, despite a slight decline in their percentage to record 27.1% to record 47.90 billion pounds by the end of March 2025, compared to a relative weight of 27.9% to record 49.14 billion by the end of 2024.

Total financial investments

The relative weight of the total financial investment portfolio ranked third in terms of the bank’s investment orientation, despite its decline to 23.7% of the bank’s total assets to record 41.91 billion pounds by the end of March 2025, compared to 29.2% of total assets to record 51.58 billion by the end of 2024.

Cash and balances with the central bank The relative weight of the "Cash and Balances with the Central Bank" portfolio increased, obtaining fourth place within the bank’s investment orientation with 12.7% of its total assets at the end of March 2025, compared to a relative weight of 10.6% of the bank’s total assets at the end of 2024.

The size of the "cash and balances with the Central Bank" portfolio jumped at a growth rate of 20.8% during the first quarter of this year, reaching 22.51 billion pounds at the end of last March, compared to 18.64 billion by the end of 2024, achieving an increase of 3.87 billion pounds.

Other assets

The relative weight of the size of the "other assets" portfolio recorded an increase, obtaining fifth place within the bank’s investment orientation, at 2.9% of the bank’s total assets at the end of March 2025, compared to a relative weight of 2% of its total assets portfolio at the end of 2024.

The size of the bank's other assets portfolio increased at a growth rate of 42.1% and an increase of 1.49 billion pounds during the first quarter of this year, recording 5.04 billion pounds by the end of March 2025, compared to 3.55 billion by the end of 2024.

Bank trends in the loan market

By shedding light on the items that make up the total loan portfolio, we find that the Housing and Development Bank directs the largest percentage of its clients’ total loan portfolio to support institutions due to its high relative weight at the end of March 2025.

Loans to corporates

The institutional loans portfolio accounted for the largest percentage of the bank’s total customer loans and facilities portfolio, after its relative weight increased to 51.2% at the end of March 2025, compared to a relative weight of 50.7% of the total customer loans and facilities portfolio at the end of 2024.

The bank's total institutional loan portfolio increased at a growth rate of 6%, achieving an increase of 1.70 billion pounds during the first quarter of this year, to record 30.06 billion pounds by the end of March 2025, compared to 28.36 billion by the end of 2024.

Retail loans

The relative weight of the bank’s individual loan portfolio witnessed a slight decline, obtaining 48.8% of the bank’s total customer loans and facilities at the end of March 2025, compared to a relative weight of 49.3% of the bank’s total customer loans and facilities at the end of 2024.

Despite this, the size of the individual loan portfolio increased at a growth rate of 3.7% and an increase of 1.03 billion pounds during the first quarter of this year, reaching 28.65 billion pounds by the end of March 2025, compared to 27.61 billion by the end of 2025.