Company · Analysis · 29 Oct 2026
Midland Bank: a 3.1% NPL bank whose interest margin has turned negative, now earning its living from treasury bills, and 66% short of the Tk2,000 crore paid-up line
Deposits grew 2.5 times in eight years and the classified-loan ratio stayed near 3%, but interest paid exceeded interest income in 2025, government-securities income was 104% of operating income, and paid-up capital of Tk679 crore bars cash dividends from FY2026 under Bangladesh Bank's new rule.
Midland Bank PLC (MDB) is one of the nine fourth-generation private commercial banks licensed in 2013. At the end of 2025 it had 42 branches, 23 sub-branches, 142 agent-banking centres, 74 ATMs and 893 staff including contract staff. On 30 June 2026 its standalone balance…