The Credit Guarantee Fund (FGC) reported a net profit of 7,932,201,000 kwanzas at the end of 2025, representing a 19.17% increase compared to the same period the previous year, when it stood at approximately 6.6 billion kwanzas
The FGC, in a 2025 Financial Management Report to which OPAÍS had access, states that the net interest margin increased to approximately 26.1 billion kwanzas, an increase of about 2.2 billion kwanzas compared to the same period last year. The document states that the rise in the net interest margin was the result of increased income from securities and the cost of other funding.
Operating results for the 2025 fiscal year show a 40.09% decrease compared to the previous fiscal year and amounted to approximately 4.6 billion kwanzas, a decline attributed to the appreciation of financial services.
The cost-to-income ratio, a financial indicator used in banking to measure operational efficiency—which shows how much a bank spends to generate revenue—reached 67.49%, 63.32 percentage points higher than the 4.17% recorded at the end of 2024.
Source: O País
