From foundation to momentum - three years of transformation, a future of limitless potential.
Abdulla A. Bukhowa Chief Executive Officer
Group performance -2025
A year of solid performance and a disciplined financial position.
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BD 5.1mNet profit
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BD 107.3mTotal equity
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1.02xLeverage ratio
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17 filsCash dividend per share
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+41%New financing disbursements YoY
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40%+Women in executive management
Bahrain Commercial Facilities Company BSC (BCFC) Group delivered another year of solid performance in 2025, demonstrating the tangible outcomes of our strategic transformation from 2023 to 2025.
I am pleased to report that the Group achieved a net profit of BD 5.1 million with a robust financial position and total equity rising to BD 107.3 million, and a healthy leverage ratio of 1.02 multiples - underscoring the Group's disciplined approach to financial position management. In recognition of these results the Board has recommended a cash dividend of 17 fils per share for shareholders' approval at the Ordinary General Meeting.
Through a unified vision, we cascaded our strategy across the organisation, ensuring that every employee clearly understood their role in driving our collective success. As a result, we concluded the cycle with significantly stronger operational performance across all Group subsidiaries, a more streamlined product portfolio, the establishment of Sahel as our digital brand, an enhanced credit card suite, and impactful partnerships that expanded our financing solutions.
Our dedication to diversity and empowerment is reflected in our leadership team, with women now representing more than 40% of executive management - positioning BCFC as a leader in female leadership representation within the financial services sector.
The year 2025 marks the successful conclusion of BCFC's 2023–2025 strategic cycle - a proud and dynamic journey that has reshaped BCFC. Guided by three overarching goals: sustainability, competitiveness, and financial inclusion.
Three stages, one journey
Aligned with Bahrain's Economic Vision 2030, we structured our 2023–2025 transformation across three deliberate stages. Tap any stage to see what we delivered.
Fix the Core
Strengthen operations and the financial position across the Group.
What we delivered- Concluded the cycle with significantly stronger operational performance across all Group subsidiaries.
- Total equity rose to BD 107.3 million with a healthy leverage ratio of 1.02 multiples.
- Certified under ISO 27001:2022 for Information Security Management - safeguarding customer data and operational resilience.
Develop Adjacencies
Expand the product portfolio and reach new, underserved customer segments.
What we delivered- Strategic partnerships with leading real estate developers positioned BCFC as a preferred financing partner for homebuyers; new flagship branch inaugurated in Sitra.
- Youth prepaid cards with Unipal and the exclusive UEFA Champions League co-branded card with Mastercard opened new segments.
- Highest annual credit card spend since IMTIAZ launched in 2009 - among Mastercard's largest issuers in Bahrain by transaction volume.
- Debt-relief partnership with the Ministry of Interior and Ministry of Justice, recognised for its humanitarian contribution.
Go Beyond the Core
Establish Sahel as our digital brand and lead in customer-centric digital experience.
What we delivered- Sahel established as our digital brand - now used by most of our clients, processing the majority of total payment transactions.
- AI integrated across operations: enhanced credit scoring and workflow automation cutting turnaround from days to minutes.
- Among Bahrain's early adopters of full-organisation AI productivity tools.
As we turn the page on our transformation journey, BCFC enters its next strategic cycle for 2026–2030 from a position of strength. Building on the foundations established over the past three years, our new strategy is centred on creating lasting value for our ecosystem - enhancing corporate governance and risk management while maximising business growth and embracing the latest developments in digitalisation and artificial intelligence.
I would like to express my deepest gratitude to our esteemed Board of Directors, our dedicated management team and staff, our customers and business partners, and the Central Bank of Bahrain and other regulatory authorities for their steadfast guidance and support throughout 2025.
Digital transformation, at the heart of our progress.
Our award-winning Sahel platform is now actively used by most of our clients, with digital financing disbursements and new credit card issuance growing significantly. Sahel processed the majority of total payment transactions during the year - a clear testament to our customers' growing confidence in our digital capabilities.
