DSE:NHFIL
National Housing Finance PLC research
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Company · DSE:LANKABAFIN · Financial Institutions · Analysis · 31 Oct 2026
LankaBangla Finance: NPL nearly doubled to 13.7% in 2024, and a BDT 4.3bn provision shortfall deferred by Bangladesh Bank equals 60% of solo equity
The 2024 accounts arrived ten months late with four emphasis-of-matter paragraphs, no dividend for the first time since listing, and a BB-approved deferral of BDT 4,265m of loan provisions. The FY2025 annual and every 2026 interim are still unfiled; the last filing is September 2025.
LankaBangla Finance PLC is one of Bangladesh's larger non-bank financial institutions (NBFIs), licensed by Bangladesh Bank (BB) and listed on the Dhaka Stock Exchange (DSE) since 2006. It lends to corporates, small and medium firms and households, issues Mastercard and Visa credit cards, and owns…
Company · DSE:DBH · Financial Institutions · Analysis · 31 Oct 2026
DBH Finance: 0.84% NPL and 30.7% capital, but the home-loan book has barely grown in eight years and the spread fell to 1.4pp
A lower NPL and higher capital ratio than IDLC, NHFIL and LankaBangla earns a declining return: ROE fell from 22% (2018) to 9.8% (2025) as equity piled up and deposit costs rose, treasury income carried 2025 profit, and in 2026 DBH shrank its balance sheet by 9% to cut funding costs.
DBH Finance PLC is a specialist housing-finance company licensed by Bangladesh Bank (BB) under the Finance Company Act 2023. It was incorporated in 1996 as a joint venture of BRAC, Delta Life Insurance and Green Delta Insurance with two foreign partners, HDFC of India and…