DSE : NBL
National Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 3.7 BDT (At close: Oct 28, 2026) · Market cap 11.91B
Latest research: National Bank (NBL) financial analysis: 59.7% NPL, Tk18,608 crore deferred provision shortfall, negative CRAR (Oct 2026) · National Bank: 59.7% of loans classified, a Tk18,608 crore provision gap deferred by Bangladesh Bank and CRAR of -5.48%
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 6.92B | 8.48B | 14.96B | 15.92B | 18.41B | 30.89B |
| Interest Paid on Deposits | 45.09B | 44.05B | 37.52B | 30.57B | 28.31B | 29.45B |
| Net Interest Income | -38.17B | -35.57B | -22.56B | -14.65B | -9.89B | 1.44B |
| Gain (Loss) on Sale of Assets | 1.86M | 1.86M | 9.18M | -137.78M | 963.33K | 1.07M |
| Gain (Loss) on Sale of Investments | 7.04B | 7.04B | -2.38B | -6.65B | -2.26B | 1.50B |
| Other Non-Interest Income | 225.54M | 4.53B | 7.51B | 8.42B | 8.23B | 6.83B |
| Total Non-Interest Income | 7.27B | 11.57B | 5.13B | 1.63B | 5.97B | 8.33B |
| Revenues Before Loan Losses | -30.91B | -24.00B | -17.42B | -13.02B | -3.92B | 9.77B |
| Provision for Loan Losses | 3.28M | 494.18K | 7.73M | 40.38M | 23.47B | 1.71B |
| Revenue | -30.91B | -24.00B | -17.43B | -13.06B | -27.40B | 8.06B |
| Salaries and Employee Benefits | 5.11B | 5.28B | 5.51B | 5.28B | 4.69B | 4.04B |
| Occupancy Expenses | 1.17B | 1.27B | 1.52B | 1.53B | 1.55B | 1.44B |
| Selling, General & Administrative | 988.67M | 984.70M | 836.25M | 735.81M | 604.19M | 689.42M |
| Other Non-Interest Expense | -1.25B | 761.79M | 1.88B | 684.27M | 718.31M | 991.69M |
| Total Non-Interest Expense | 6.03B | 8.30B | 9.75B | 8.23B | 7.56B | 7.16B |
| EBT Excluding Unusual Items | -36.93B | -32.30B | -27.18B | -21.29B | -34.96B | 899.73M |
| Pretax Income | -36.93B | -32.30B | -27.18B | -21.29B | -34.96B | 899.73M |
| Income Tax Expense | 417.12M | -7.98B | -10.11B | -6.32B | -2.35B | 518.15M |
| Earnings From Continuing Operations | -37.35B | -24.32B | -17.07B | -14.97B | -32.61B | 381.58M |
| Minority Interest in Earnings | 1.12K | 2.62K | -1.81K | -3.07K | -16.75K | -36.76K |
| Net Income | -37.35B | -24.32B | -17.07B | -14.97B | -32.61B | 381.54M |
| Net Income to Common | -37.35B | -24.32B | -17.07B | -14.97B | -32.61B | 381.54M |
| Basic Shares Outstanding | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B |
| Diluted Shares Outstanding | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B |
| EPS (Basic) | -11.60 | -7.55 | -5.30 | -4.65 | -10.13 | 0.12 |
| EPS (Diluted) | -11.60 | -7.55 | -5.30 | -4.65 | -10.13 | 0.12 |
| Effective Tax Rate | 57.59% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.11B | 6.89B | 7.97B | 7.43B | 5.42B | 5.52B |
| Investment Securities | 10.74B | 10.66B | 12.14B | 12.67B | 23.05B | 81.11B |
| Total Investments | 10.74B | 10.66B | 12.14B | 12.67B | 23.05B | 81.11B |
| Gross Loans | 434.61B | 431.12B | 434.42B | 432.70B | 427.77B | 448.83B |
| Net Loans | 434.61B | 431.12B | 434.42B | 432.70B | 427.77B | 448.83B |
| Property, Plant & Equipment | 3.62B | 3.75B | 3.76B | 3.45B | 3.46B | 3.47B |
| Other Intangible Assets | 14.66B | 17.60B | 20.53B | 23.46B | ||
| Accrued Interest Receivable | 383.23M | 826.09M | 1.31B | 1.46B | 3.06B | |
| Other Receivables | 5.28B | 181.78M | 100.93M | 102.47M | 130.13M | 356.78M |
| Restricted Cash | 4.92B | 3.39B | 66.38B | 68.83B | 24.51B | 23.26B |
| Other Current Assets | 267.49M | 329.61M | 7.78B | 6.66B | 6.12B | |
| Long-Term Deferred Tax Assets | 28.34B | 19.89B | 9.51B | 3.01B | 111.81M | |
| Other Long-Term Assets | 51.83B | 7.30B | 11.34B | 3.02B | 3.15B | 3.83B |
| Total Assets | 513.12B | 506.95B | 574.75B | 567.32B | 522.08B | 575.67B |
| Accrued Expenses | 17.65M | 17.65M | 17.65M | 17.65M | 22.07M | |
| Interest Bearing Deposits | 313.14B | 325.78B | 358.89B | 403.75B | 402.23B | 448.34B |
| Non-Interest Bearing Deposits | 21.23B | 8.59B | 8.51B | 17.16B | 17.90B | 21.32B |
| Total Deposits | 334.36B | 334.37B | 367.40B | 420.90B | 420.14B | 469.66B |
| Short-Term Borrowings | 60.00B | 55.00B | 1.34B | |||
| Current Portion of Long-Term Debt | 107.10B | 97.57B | 67.32B | 7.29B | 12.34B | 11.25B |
| Current Income Taxes Payable | 1.17B | 1.11B | 1.19B | 1.42B | 1.41B | |
| Other Current Liabilities | 3.58B | 4.40B | 2.83B | 5.38B | 3.46B | 3.24B |
| Long-Term Debt | 1.31B | 1.31B | 250.00M | 1.05B | 1.85B | 2.65B |
| Long-Term Leases | 765.17M | 574.66M | 117.30M | 138.54M | 117.59M | |
| Pension & Post-Retirement Benefits | 25.00M | 25.00M | 25.00M | 125.00M | ||
| Other Long-Term Liabilities | 113.42B | 91.04B | 71.55B | 52.84B | 40.71B | 34.05B |
| Total Liabilities | 559.77B | 530.68B | 571.07B | 543.82B | 480.21B | 523.74B |
| Common Stock | 32.20B | 32.20B | 32.20B | 32.20B | 32.20B | 32.20B |
| Retained Earnings | -79.31B | -56.38B | -28.94B | -9.10B | 8.88B | 18.04B |
| Comprehensive Income & Other | 458.90M | 453.89M | 433.23M | 409.99M | 795.25M | 1.69B |
| Total Common Equity | -46.66B | -23.72B | 3.69B | 23.50B | 41.87B | 51.92B |
| Minority Interest | 192.77K | 191.31K | 193.93K | 192.12K | 189.05K | 172.29K |
| Shareholders' Equity | -46.66B | -23.72B | 3.69B | 23.50B | 41.87B | 51.92B |
| Total Liabilities & Equity | 513.12B | 506.95B | 574.75B | 567.32B | 522.08B | 575.67B |
| Total Debt | 108.41B | 99.65B | 128.15B | 63.46B | 14.33B | 15.36B |
| Net Cash (Debt) | -106.29B | -92.76B | -120.18B | -56.03B | -8.92B | -9.84B |
| Net Cash Per Share | -33.01 | -28.81 | -37.33 | -17.40 | -2.77 | -3.06 |
| Filing Date Shares Outstanding | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B |
| Total Common Shares Outstanding | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B | 3.22B |
| Book Value Per Share | -14.49 | -7.37 | 1.15 | 7.30 | 13.00 | 16.13 |
| Tangible Book Value | -46.66B | -38.39B | -13.91B | 2.97B | 18.41B | 51.92B |
| Tangible Book Value Per Share | -14.49 | -11.92 | -4.32 | 0.92 | 5.72 | 16.13 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -24.32B | -17.07B | -14.97B | -32.61B | 381.54M | |
| Depreciation & Amortization | 604.39M | 471.09M | 471.09M | 485.70M | 474.83M | |
| Gain (Loss) on Sale of Assets | -963.33K | -105.75K | ||||
| Gain (Loss) on Sale of Investments | -2.59B | -1.50B | ||||
| Provision for Credit Losses | 23.47B | 264.02M | ||||
| Change in Trading Asset Securities | -231.68M | 154.11M | -156.63M | -33.46M | -33.90M | |
| Accrued Interest Receivable | 1.52B | 2.34B | ||||
| Change in Other Net Operating Assets | 8.93B | 16.90B | 6.13B | 1.67B | -36.05B | |
| Other Operating Activities | 2.73B | -7.68B | -66.91M | 2.09B | -864.73M | |
| Operating Cash Flow | -12.29B | -7.23B | -8.59B | -6.02B | -35.71B | |
| Capital Expenditures | -543.98M | -884.47M | -387.37M | -467.17M | -262.88M | |
| Sale of Property, Plant and Equipment | 6.48M | 5.39M | 1.06M | 937.50K | 187.50K | |
| Investment in Securities | 8.67B | -2.06B | 3.35B | 57.92B | -9.39B | |
| Investing Cash Flow | 8.13B | -2.94B | 2.96B | 57.45B | -9.66B | |
| Long-Term Debt Issued | 1.06B | 65.03B | 49.95B | 4.17B | ||
| Total Debt Issued | 1.06B | 65.03B | 49.95B | 4.17B | ||
| Long-Term Debt Repaid | -29.75B | -800.00M | -800.00M | -1.04B | -800.00M | |
| Total Debt Repaid | -29.75B | -800.00M | -800.00M | -1.04B | -800.00M | |
| Net Debt Issued (Repaid) | -28.69B | 64.23B | 49.15B | -1.04B | 3.37B | |
| Net Increase (Decrease) in Deposit Accounts | -31.25B | -56.12B | 2.66B | -49.38B | 42.50B | |
| Financing Cash Flow | -59.94B | 8.11B | 51.81B | -50.43B | 45.87B | |
| Foreign Exchange Rate Adjustments | 34.10M | 140.86M | 144.63M | 141.64M | 9.13M | |
| Net Cash Flow | -64.07B | -1.91B | 46.33B | 1.15B | 515.52M | |
| Free Cash Flow | -12.83B | -8.11B | -8.98B | -6.48B | -35.97B | |
| Free Cash Flow Margin | -446.54% | |||||
| Free Cash Flow Per Share | -3.99 | -2.52 | -2.79 | -2.01 | -11.17 | |
| Cash Interest Paid | 29.49B | 38.94B | 30.88B | 28.33B | 30.17B | |
| Cash Income Tax Paid | 409.64M | 361.28M | 534.10M | 2.88B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 11.91B | 10.30B | 15.78B | 26.72B | 26.72B | 24.15B |
| Last Close Price | 3.70 | 3.20 | 4.90 | 8.30 | 8.30 | 7.50 |
| PE Ratio | 63.29 | |||||
| PS Ratio | -0.43 | -0.91 | -2.05 | -0.97 | 3.00 | |
| PB Ratio | -0.43 | 4.28 | 1.14 | 0.64 | 0.47 | |
| Debt / Equity Ratio | -2.32 | -4.20 | 34.76 | 2.70 | 0.34 | 0.30 |
| Net Debt / Equity Ratio | -2.28 | -3.91 | 32.60 | 2.38 | 0.21 | 0.19 |
| Net Debt / FCF Ratio | -7.23 | -14.81 | -6.24 | -1.38 | -0.27 | |
| Return on Equity (ROE) | -125.58% | -45.81% | -69.53% | 0.73% | ||
| Return on Assets (ROA) | -7.26% | -4.50% | -2.99% | -2.75% | -5.94% | 0.07% |
| Earnings Yield | -313.53% | -236.03% | -108.22% | -56.03% | -122.02% | 1.58% |
| FCF Yield | -124.56% | -51.42% | -33.60% | -24.26% | -148.96% |