DSE : NRBBANK
NRB Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 6.7 BDT (At close: Oct 29, 2026) · Market cap 4.63B
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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 | 8.24B | 7.52B | 7.05B | 5.38B | 3.84B | 3.54B |
| Interest Paid on Deposits | 8.08B | 7.57B | 5.85B | 3.90B | 2.88B | 2.44B |
| Net Interest Income | 163.51M | -48.23M | 1.20B | 1.48B | 957.64M | 1.10B |
| Gain (Loss) on Sale of Assets | 20.00K | 20.00K | 15.00K | |||
| Gain (Loss) on Sale of Investments | 809.44M | 603.09M | 755.56M | 143.74M | -75.47M | 27.77M |
| Other Non-Interest Income | 2.63B | 2.63B | 2.09B | 1.63B | 1.24B | 1.31B |
| Total Non-Interest Income | 3.44B | 3.23B | 2.85B | 1.77B | 1.17B | 1.34B |
| Revenues Before Loan Losses | 3.61B | 3.18B | 4.04B | 3.26B | 2.13B | 2.44B |
| Provision for Loan Losses | -725.43M | 516.21M | 1.69B | 173.71M | -122.92M | 365.98M |
| Revenue | 4.33B | 2.67B | 2.36B | 3.08B | 2.25B | 2.07B |
| Salaries and Employee Benefits | 1.57B | 1.50B | 1.21B | 1.04B | 844.64M | 797.48M |
| Occupancy Expenses | 497.91M | 488.88M | 446.16M | 420.56M | 423.98M | 401.25M |
| Selling, General & Administrative | 189.96M | 180.35M | 144.44M | 126.38M | 76.79M | 81.21M |
| Other Non-Interest Expense | 310.58M | 350.18M | 484.71M | 133.46M | 222.78M | 165.18M |
| Total Non-Interest Expense | 2.56B | 2.52B | 2.28B | 1.72B | 1.57B | 1.45B |
| EBT Excluding Unusual Items | 1.77B | 146.54M | 74.80M | 1.37B | 681.24M | 624.27M |
| Other Unusual Items | 6.70M | 20.80M | 5.00M | |||
| Pretax Income | 1.77B | 146.54M | 81.50M | 1.39B | 681.24M | 629.27M |
| Income Tax Expense | 690.50M | 11.56M | 4.56M | 592.76M | 128.15M | -9.45M |
| Net Income | 1.08B | 134.99M | 76.94M | 794.37M | 553.09M | 638.72M |
| Net Income to Common | 1.08B | 134.99M | 76.94M | 794.37M | 553.09M | 638.72M |
| Basic Shares Outstanding | 690.59M | 690.59M | 675.24M | 590.59M | 590.59M | 590.59M |
| Diluted Shares Outstanding | 690.59M | 690.59M | 675.24M | 590.59M | 590.59M | 590.59M |
| EPS (Basic) | 1.56 | 0.20 | 0.11 | 1.35 | 0.94 | 1.08 |
| EPS (Diluted) | 1.56 | 0.20 | 0.11 | 1.35 | 0.94 | 1.08 |
| Dividend Per Share | 1.00 | 0.70 | 0.50 | |||
| Effective Tax Rate | 39.06% | 7.89% | 5.59% | 42.73% | 18.81% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 14.88B | 8.69B | 6.09B | 5.18B | 6.00B | 5.07B |
| Investment Securities | 37.64B | 23.52B | 17.81B | 14.90B | 13.06B | 10.38B |
| Total Investments | 37.64B | 23.52B | 17.81B | 14.90B | 13.06B | 10.38B |
| Gross Loans | 78.20B | 72.81B | 67.29B | 60.07B | 49.49B | 40.24B |
| Net Loans | 78.20B | 72.81B | 67.29B | 60.07B | 49.49B | 40.24B |
| Property, Plant & Equipment | 560.80M | 431.30M | 416.91M | 380.13M | 423.20M | 385.86M |
| Other Intangible Assets | 19.72M | 21.53M | 24.89M | 26.34M | 37.81M | |
| Restricted Cash | 3.59B | 3.75B | 2.82B | 2.19B | 2.08B | |
| Other Current Assets | 285.40M | |||||
| Other Real Estate Owned & Foreclosed | 80.20M | 80.20M | 80.20M | 80.20M | 80.20M | 80.20M |
| Other Long-Term Assets | 3.36B | 3.14B | 2.41B | 1.84B | 1.53B | 2.62B |
| Total Assets | 134.72B | 112.28B | 97.87B | 85.31B | 72.80B | 61.19B |
| Accrued Expenses | 231.75M | 182.86M | 145.81M | 113.58M | 114.20M | |
| Interest Bearing Deposits | 82.36B | 73.10B | 61.53B | 51.21B | 42.61B | 34.86B |
| Non-Interest Bearing Deposits | 21.03B | 14.22B | 12.86B | 14.57B | 11.09B | 9.21B |
| Total Deposits | 103.40B | 87.32B | 74.39B | 65.78B | 53.71B | 44.07B |
| Short-Term Borrowings | 1.45B | 1.47B | 2.86B | 4.69B | 796.60M | |
| Current Portion of Long-Term Debt | 8.28B | 2.23B | 3.59B | 2.28B | 1.29B | 3.58B |
| Current Income Taxes Payable | 251.60M | 503.72M | 432.55M | 158.84M | 1.40B | |
| Accrued Interest Payable | 1.44B | 1.29B | 831.68M | 625.38M | 531.86M | |
| Other Current Liabilities | 752.18M | 1.06B | 1.06B | 987.36M | 1.12B | 352.41M |
| Other Long-Term Liabilities | 13.26B | 9.41B | 6.64B | 3.84B | 3.34B | 2.83B |
| Total Liabilities | 125.69B | 103.38B | 89.13B | 77.16B | 65.04B | 53.68B |
| Common Stock | 6.91B | 6.91B | 6.91B | 5.91B | 5.91B | 5.91B |
| Retained Earnings | 2.04B | 1.95B | 1.82B | 2.23B | 1.85B | 1.60B |
| Comprehensive Income & Other | 86.12M | 42.89M | 21.33M | 9.38M | 5.10M | 1.52M |
| Total Common Equity | 9.03B | 8.90B | 8.74B | 8.14B | 7.76B | 7.51B |
| Minority Interest | 80.00 | 80.00 | 80.00 | 80.00 | 80.00 | 80.00 |
| Shareholders' Equity | 9.03B | 8.90B | 8.74B | 8.14B | 7.76B | 7.51B |
| Total Liabilities & Equity | 134.72B | 112.28B | 97.87B | 85.31B | 72.80B | 61.19B |
| Total Debt | 8.28B | 3.68B | 5.06B | 5.14B | 5.98B | 4.38B |
| Net Cash (Debt) | 6.60B | 5.02B | 1.03B | 45.27M | 24.29M | 687.65M |
| Net Cash Per Share | 9.56 | 7.27 | 1.53 | 0.08 | 0.04 | 1.16 |
| Filing Date Shares Outstanding | 690.59M | 690.59M | 690.59M | 590.59M | 590.59M | 590.59M |
| Total Common Shares Outstanding | 690.59M | 690.59M | 690.59M | 590.59M | 590.59M | 590.59M |
| Book Value Per Share | 13.08 | 12.89 | 12.66 | 13.78 | 13.14 | 12.71 |
| Tangible Book Value | 9.03B | 8.88B | 8.72B | 8.12B | 7.74B | 7.47B |
| Tangible Book Value Per Share | 13.08 | 12.86 | 12.63 | 13.74 | 13.10 | 12.65 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.08B | 134.99M | 76.94M | 794.37M | 553.09M | 638.72M |
| Depreciation & Amortization | 127.00M | 121.20M | 109.13M | 105.17M | 104.68M | 87.08M |
| Other Amortization | 5.86M | 5.86M | 6.10M | 11.01M | 16.81M | 21.42M |
| Change in Other Net Operating Assets | -4.08B | -3.69B | -5.84B | -10.47B | -8.84B | -1.25B |
| Other Operating Activities | -615.82M | 195.46M | 1.66B | 484.02M | 323.49M | -149.55M |
| Operating Cash Flow | -3.49B | -3.23B | -3.99B | -9.08B | -7.84B | -654.65M |
| Capital Expenditures | -224.53M | -117.30M | -147.67M | -70.82M | -147.36M | -147.02M |
| Cash Acquisitions | -500.00M | |||||
| Investment in Securities | -16.42B | -5.72B | -2.91B | -1.84B | -2.68B | -2.29B |
| Other Investing Activities | 1.00 | -1.00 | ||||
| Investing Cash Flow | -16.65B | -5.83B | -3.05B | -1.91B | -2.83B | -2.94B |
| Long-Term Debt Issued | 1.60B | 735.66M | ||||
| Total Debt Issued | 4.00B | 1.60B | 735.66M | |||
| Long-Term Debt Repaid | -1.39B | -77.19M | -837.27M | |||
| Net Debt Issued (Repaid) | 2.62B | -1.39B | -77.19M | -837.27M | 1.60B | 735.66M |
| Issuance of Common Stock | 1.00B | 777.60M | ||||
| Common Dividends Paid | -484.65M | -413.41M | -295.29M | |||
| Net Increase (Decrease) in Deposit Accounts | 22.13B | 12.89B | 8.44B | 12.05B | 10.12B | 2.92B |
| Other Financing Activities | 1.00 | |||||
| Financing Cash Flow | 24.75B | 11.51B | 8.88B | 10.80B | 11.42B | 4.44B |
| Net Cash Flow | 4.61B | 2.44B | 1.83B | -185.21M | 756.03M | 840.97M |
| Free Cash Flow | -3.71B | -3.35B | -4.13B | -9.15B | -7.99B | -801.67M |
| Free Cash Flow Margin | -85.69% | -125.71% | -175.36% | -296.73% | -355.18% | -38.74% |
| Free Cash Flow Per Share | -5.38 | -4.85 | -6.12 | -15.49 | -13.53 | -1.36 |
| Cash Interest Paid | 7.92B | 7.42B | 5.40B | 3.69B | 2.78B | 2.45B |
| Cash Income Tax Paid | 450.25M | 491.85M | 663.00M | 300.98M | 344.45M | 165.58M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 4.63B | 4.14B | 8.43B | |||
| Last Close Price | 6.70 | 6.00 | 12.20 | |||
| PE Ratio | 4.30 | 30.70 | 109.50 | |||
| PS Ratio | 1.07 | 1.55 | 3.57 | |||
| PB Ratio | 0.51 | 0.47 | 0.96 | |||
| Debt / Equity Ratio | 0.92 | 0.41 | 0.58 | 0.63 | 0.77 | 0.58 |
| Net Debt / Equity Ratio | -0.73 | -0.56 | -0.12 | -0.01 | -0.00 | -0.09 |
| Net Debt / FCF Ratio | 1.78 | 1.50 | 0.25 | 0.01 | 0.00 | 0.86 |
| Return on Equity (ROE) | 12.72% | 1.53% | 0.91% | 9.99% | 7.24% | 9.60% |
| Return on Assets (ROA) | 0.89% | 0.13% | 0.08% | 1.00% | 0.83% | 1.10% |
| Earnings Yield | 23.28% | 3.26% | 0.91% | |||
| FCF Yield | -80.22% | -80.86% | -49.08% | |||
| Payout Ratio | 629.88% | 52.04% | 53.39% | |||
| Buyback Yield / Dilution | -2.27% | -2.27% | -14.33% | |||
| Total Shareholder Return | -2.27% | -2.27% | -14.33% |