Company · Analysis · 29 Oct 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 22.9bn more in H1 2026. Equity is negative, interest paid is 5x interest earned, deposits are 28% below their 2021 level, and the bank runs on Bangladesh Bank-backed liquidity. This note sets out the filings.
National Bank PLC (NBL) is a first-generation private commercial bank, licensed by Bangladesh Bank in 1983, with 221 branches and six subsidiaries (a brokerage, a merchant bank and four overseas money-transfer companies). At 30 June 2026 it reported loans of BDT 431.8bn, deposits of BDT…