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Company valuation reports, peer comparisons, results notes, industry reports and macro views, built from company filings and official data and independently reviewed before publishing. Company reports show their full model as view-only sheets. Facts and estimates, not investment advice.
7 articles.
Bangladesh All Bangladesh research →
Company · DSE:UCB · Banks · Analysis · 03 Nov 2026
United Commercial Bank: 15.5% NPL and a Tk5,595 crore provision shortfall that Bangladesh Bank let it leave out of the 2025 accounts
UCB's auditor qualified the 2025 accounts: required provisions of BDT 76.8bn, BDT 25.2bn held; CRAR of 8.42% with 12.5% required, and 0.93% had the shortfall been booked. Deposits grew 23% in 2025, interest paid took 95% of interest income in the first nine months of 2026, and the shares sit in the Z category after two years without a dividend.
Company · DSE:STANDBANKL · Banks (Islamic) · Analysis · 03 Nov 2026
Standard Islami Bank: a 29.9% NPI, a BDT 59bn deferred provision gap and a Q3 2026 loss
Bangladesh Bank let the bank close 2025 without booking BDT 59.0bn of required provisions, three times its BDT 18.9bn equity. Net investment income fell to almost zero in 2025, turned negative in H1 2026, and the bank reported a loss per share of BDT 1.43 for Q3 2026.
Company · DSE:ABBANK · Banks · Analysis · 03 Nov 2026
AB Bank: 56.5% of loans classified, equity of minus BDT 48.6bn and a BDT 16,875 crore provision gap
AB Bank pays more than ten taka of interest for every taka it earns, lost BDT 37.1bn in 2025 and BDT 16.3bn in the first half of 2026, and now runs on Bangladesh Bank liquidity support. This note sets out what the filings show.
Company · DSE:RUPALIBANK · Banks · Analysis · 03 Nov 2026
Rupali Bank: 39.05% of loans classified, a Tk14,014 crore provision gap deferred by Bangladesh Bank and CRAR of 2.88%
The government owns 94.91% of Rupali Bank after a July 2026 share issue. The bank pays more interest than it earns, books a thin profit only because the regulator lets it leave Tk14,014.48 crore of provisions out of the accounts, lost BDT 6.4bn in the first half of 2026 and, per its DSE post, Tk10.58 a share (consolidated) in the first nine months. This note sets out the filings.
Company · DSE:NBL · Banks · Analysis · 03 Nov 2026
National Bank: 59.7% of loans classified, a Tk18,608 crore provision gap deferred by Bangladesh Bank and CRAR of -5.48%
National Bank lost BDT 24.3bn in 2025 and BDT 30.2bn more in the first nine months of 2026. Equity is negative, interest paid is 8x interest earned, deposits are 29% below their 2021 level, and the bank runs on Bangladesh Bank-backed liquidity. This note sets out the filings.
Company · DSE:ALARABANK · Banks (Islamic) · Analysis · 03 Nov 2026
Al-Arafah Islami Bank: BDT 53.9bn of deferred provisions exceed its BDT 24.2bn equity as the founding sponsors return
Classified investments reached 17.5% of the book in 2025 and Bangladesh Bank let the bank defer a BDT 53.9bn provision shortfall; booked equity is BDT 24.2bn, CRAR 10.72% against 12.5%, and no dividend is allowed for 2025.
Company · DSE:ISLAMIBANK · Banks (Islamic) · Analysis · 02 Nov 2026
Islami Bank Bangladesh: 49.65% of investments classified and a BDT 846.2bn provision shortfall; bank equity BDT 69.6bn
Classified investments reached BDT 943.2bn at December 2025, and Bangladesh Bank permitted the bank to finalise its 2025 accounts without the BDT 846.2bn provision adjustment. CRAR is 6.42%, deposits fell 8.8% in the nine months to September 2026, Bangladesh Bank took a series of board actions and the shares moved to the Z category.