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5 articles.
Company · DSE:SBACBANK · Banks · Analysis · 01 Nov 2026
SBAC Bank: NPL near 20%, a BDT 10.2bn provision shortfall deferred by Bangladesh Bank, and a qualified 2025 audit
Classified loans rose from 5.9% of loans in 2023 to 19.9% at Dec-2025; the bank kept BDT 3.3bn of a BDT 13.6bn required provision under a BB deferral, the auditor qualified its opinion, profit fell to BDT 7m and the shares moved to DSE's Z category in April 2026.
Company · DSE:IFIC · Banks · Analysis · 31 Oct 2026
IFIC Bank: 61% of loans classified, a BDT 216bn provision shortfall (our sum of notes) deferred by Bangladesh Bank, CRAR of 1.8% and negative equity by June 2026
Loans tied to the old sponsor era turned bad in 2024. Interest on those loans has since moved to suspense, so net interest income fell to BDT -22.1bn in 2025 and to BDT -15.4bn in H1 2026. Book equity of BDT 5.7bn at Dec-2025 sits against a provision gap of BDT 215.9bn (our sum of four notes) that BB has allowed the bank to defer.
Company · DSE:DHAKABANK · Banks · Analysis · 31 Oct 2026
Dhaka Bank: NPL down to 3.8% and the 2024 deferral cleared, but net interest income fell 45% in H1 2026 and paid-up capital is 47% short of Tk2,000 crore
Dhaka Bank cut classified loans from 5.33% to 3.77% of loans in 2025 and fully provided the BDT 5.0bn shortfall BB had let it defer, but special mention loans more than doubled to 6.6% of the book, cost of fund reached 9.65%, net interest income fell to BDT 1.2bn in H1 2026, and its Tk1,057 crore paid-up capital is 47.2% below the Tk2,000 crore line for cash dividends.
Company · DSE:SOUTHEASTB · Banks · Analysis · 29 Oct 2026
Southeast Bank: NPL halved to 7.5% and the Tk1,539 crore provision shortfall cleared, but net interest income turned negative in H1 2026
Write-offs of BDT 21.5bn cut classified loans from 14.82% to 7.51% of loans in 2025 and the 2024 BB-deferred shortfall is gone, yet special mention loans rose to 14.8% of the book, interest expense exceeded interest income in H1 2026, and paid-up capital below Tk2,000 crore bars cash dividends from FY2026.
Company · DSE:NCCBANK · Banks · Analysis · 29 Oct 2026
NCC Bank: NPL cut to 4.1% by a Tk1,348 crore write-off, but writ-stayed loans, a bond-heavy income mix and the Tk2,000 crore rule shape the next two years
Profit after tax reached BDT 4,861m in 2025 and CRAR 15.54%, but net interest income fell 23% in H1 2026 as deposit costs rose, investment income is now 57% of operating income, and paid-up capital of Tk1,155 crore bars cash dividends from FY2026.