DSE : NRBCBANK
NRBC Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 8.9 BDT (At close: Oct 29, 2026) · Market cap 7.37B
Latest research: NRBC Bank (NRBCBANK) financial analysis: 17% NPL, Tk1,006 crore deferred provisions, CRAR 11.15% (Oct 2026) · NRBC Bank: classified loans at 17.17%, a Tk1,006 crore provision gap deferred by Bangladesh Bank, and CRAR of 11.15% under a regulator-appointed board
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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 | 14.71B | 15.73B | 12.82B | 12.58B | 11.37B | 7.98B |
| Interest Paid on Deposits | 13.63B | 14.08B | 12.53B | 8.70B | 6.71B | 4.60B |
| Net Interest Income | 1.08B | 1.65B | 294.39M | 3.88B | 4.65B | 3.38B |
| Gain (Loss) on Sale of Investments | 54.38M | -80.62M | -786.53M | 36.64M | -257.21M | -160.23M |
| Other Non-Interest Income | 9.82B | 8.54B | 7.43B | 5.04B | 4.43B | 4.55B |
| Total Non-Interest Income | 9.88B | 8.46B | 6.64B | 5.08B | 4.17B | 4.39B |
| Revenues Before Loan Losses | 10.96B | 10.11B | 6.94B | 8.96B | 8.83B | 7.77B |
| Provision for Loan Losses | 3.72B | 2.95B | 1.40B | 1.06B | 871.64M | 725.20M |
| Revenue | 7.24B | 7.17B | 5.54B | 7.90B | 7.96B | 7.05B |
| Salaries and Employee Benefits | 3.81B | 3.86B | 3.43B | 3.20B | 2.85B | 2.15B |
| Occupancy Expenses | 802.99M | 760.97M | 762.15M | 992.14M | 910.99M | 708.20M |
| Selling, General & Administrative | 787.37M | 761.21M | 807.55M | 603.88M | 595.31M | 439.71M |
| Other Non-Interest Expense | 252.40M | 335.75M | 435.97M | 377.62M | 321.87M | 468.40M |
| Total Non-Interest Expense | 5.65B | 5.72B | 5.43B | 5.17B | 4.68B | 3.76B |
| EBT Excluding Unusual Items | 1.59B | 1.45B | 104.57M | 2.73B | 3.27B | 3.28B |
| Pretax Income | 1.59B | 1.45B | 104.57M | 2.73B | 3.27B | 3.28B |
| Income Tax Expense | 1.06B | 1.32B | 33.21M | 735.92M | 1.34B | 998.08M |
| Earnings From Continuing Operations | 528.39M | 132.71M | 71.35M | 1.99B | 1.93B | 2.28B |
| Minority Interest in Earnings | 5.00 | 4.00 | -3.00 | -4.00 | -19.95M | |
| Net Income | 528.39M | 132.71M | 71.35M | 1.99B | 1.93B | 2.26B |
| Net Income to Common | 528.39M | 132.71M | 71.35M | 1.99B | 1.93B | 2.26B |
| Basic Shares Outstanding | 822.17M | 824.65M | 824.65M | 828.65M | 828.65M | 828.65M |
| Diluted Shares Outstanding | 822.17M | 824.65M | 824.65M | 828.65M | 828.65M | 828.65M |
| EPS (Basic) | 0.64 | 0.16 | 0.09 | 2.40 | 2.33 | 2.73 |
| EPS (Diluted) | 0.64 | 0.16 | 0.09 | 2.40 | 2.33 | 2.73 |
| Dividend Per Share | 1.10 | 0.72 | 0.67 | |||
| Effective Tax Rate | 66.71% | 90.85% | 31.76% | 27.00% | 40.97% | 30.41% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 9.56B | 8.37B | 10.36B | 11.67B | 10.72B | 7.36B |
| Investment Securities | 78.81B | 70.57B | 54.88B | 47.20B | 38.29B | 29.24B |
| Total Investments | 78.81B | 70.57B | 54.88B | 47.20B | 38.29B | 29.24B |
| Gross Loans | 149.67B | 178.55B | 160.18B | 153.22B | 141.42B | 108.65B |
| Allowance for Loan Losses | -5.91B | -5.04B | -3.59B | -2.52B | -1.80B | |
| Other Adjustments to Gross Loans | -9.88B | -6.73B | -3.83B | -2.37B | -1.36B | |
| Net Loans | 149.67B | 162.76B | 148.40B | 145.80B | 136.52B | 105.49B |
| Property, Plant & Equipment | 2.34B | 2.50B | 2.57B | 1.72B | 1.88B | 1.81B |
| Other Intangible Assets | 24.44M | 22.75M | 30.59M | 21.74M | 27.40M | |
| Loans Held for Sale | 785.98M | 636.56M | 720.48M | |||
| Accrued Interest Receivable | 1.69B | 1.24B | 728.73M | 585.09M | 591.34M | |
| Other Receivables | 26.17M | 35.32M | 188.35M | 63.10M | 142.56M | |
| Restricted Cash | 9.15B | 9.49B | 8.45B | 7.50B | 7.18B | 5.53B |
| Other Current Assets | 4.58B | 3.92B | 2.72B | 4.85B | 3.18B | |
| Long-Term Deferred Tax Assets | 2.41B | 2.02B | 1.44B | 990.59M | 711.37M | |
| Other Long-Term Assets | 12.75B | 275.59M | 134.12M | 68.20M | -291.91M | 345.15M |
| Total Assets | 262.27B | 263.49B | 232.66B | 219.79B | 200.81B | 154.44B |
| Accrued Expenses | 836.01M | 804.83M | 681.27M | 611.29M | 335.52M | |
| Interest Bearing Deposits | 181.09B | 168.86B | 147.30B | 141.42B | 133.07B | 99.36B |
| Total Deposits | 181.09B | 168.86B | 147.30B | 141.42B | 133.07B | 99.36B |
| Short-Term Borrowings | 3.28B | 6.28B | 1.83B | 7.50B | 5.21B | |
| Current Portion of Long-Term Debt | 6.84B | 8.66B | 12.16B | 5.12B | 2.34B | |
| Other Current Liabilities | 12.27B | 20.86B | 14.15B | 14.29B | 9.49B | 12.21B |
| Long-Term Debt | 12.89B | 3.82B | 4.92B | 5.52B | 5.50B | 3.00B |
| Long-Term Leases | 301.75M | 301.75M | 367.85M | 384.49M | 452.15M | |
| Other Long-Term Liabilities | 41.55B | 44.81B | 36.54B | 28.96B | 25.86B | 19.48B |
| Total Liabilities | 247.80B | 249.62B | 218.95B | 205.23B | 187.54B | 142.39B |
| Common Stock | 8.29B | 8.29B | 8.29B | 8.29B | 7.93B | 7.38B |
| Retained Earnings | 5.99B | 5.52B | 5.38B | 6.23B | 5.30B | 4.53B |
| Comprehensive Income & Other | 191.98M | 67.61M | 39.45M | 55.22M | 43.25M | 85.49M |
| Total Common Equity | 14.47B | 13.87B | 13.71B | 14.57B | 13.27B | 11.99B |
| Minority Interest | 23.00 | 25.00 | 29.00 | 28.00 | 27.00 | 60.12M |
| Shareholders' Equity | 14.47B | 13.87B | 13.71B | 14.57B | 13.27B | 12.05B |
| Total Liabilities & Equity | 262.27B | 263.49B | 232.66B | 219.79B | 200.81B | 154.44B |
| Total Debt | 12.89B | 14.25B | 20.16B | 19.89B | 18.51B | 10.99B |
| Net Cash (Debt) | -3.34B | -5.87B | -9.80B | -8.21B | -7.79B | -3.63B |
| Net Cash Per Share | -4.06 | -7.12 | -11.89 | -9.91 | -9.40 | -4.38 |
| Filing Date Shares Outstanding | 912.66M | 828.65M | 828.65M | 828.55M | 828.65M | 828.65M |
| Total Common Shares Outstanding | 912.66M | 828.65M | 828.65M | 828.55M | 828.65M | 828.65M |
| Book Value Per Share | 15.86 | 16.74 | 16.55 | 17.58 | 16.01 | 14.47 |
| Tangible Book Value | 14.47B | 13.85B | 13.69B | 14.54B | 13.25B | 11.96B |
| Tangible Book Value Per Share | 15.86 | 16.71 | 16.52 | 17.54 | 15.99 | 14.44 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 530.91M | 132.71M | 71.35M | 1.99B | 1.93B | 2.26B |
| Depreciation & Amortization | 310.37M | 376.67M | 421.30M | 629.18M | 685.34M | 556.49M |
| Change in Other Net Operating Assets | 3.56B | -16.35B | 1.45B | -8.31B | -24.06B | -30.24B |
| Other Operating Activities | 3.30B | 3.27B | 1.17B | 634.92M | 2.24B | 1.75B |
| Operating Cash Flow | 6.71B | -12.57B | 3.11B | -5.06B | -19.21B | -25.67B |
| Capital Expenditures | -125.08M | -311.28M | -1.27B | -211.04M | -452.47M | -835.80M |
| Cash Acquisitions | -100.00M | -180.00M | ||||
| Investment in Securities | -12.85B | -15.66B | -7.69B | -8.91B | -8.91B | -2.88B |
| Other Investing Activities | -70.57M | 1.00 | ||||
| Investing Cash Flow | -13.14B | -15.97B | -8.96B | -9.12B | -9.54B | -3.71B |
| Long-Term Debt Issued | 77.98M | 194.35M | 2.50B | 7.02B | ||
| Long-Term Debt Repaid | -1.17B | -600.00M | -79.54M | |||
| Net Debt Issued (Repaid) | -896.09M | -1.17B | -522.02M | 194.35M | 2.42B | 7.02B |
| Issuance of Common Stock | 100.00M | 1.20B | ||||
| Common Dividends Paid | -911.51M | -686.72M | -553.23M | -566.89M | ||
| Net Increase (Decrease) in Deposit Accounts | 9.70B | 28.76B | 6.92B | 15.94B | 31.79B | 25.02B |
| Other Financing Activities | 1.00 | 1.00 | ||||
| Financing Cash Flow | 8.81B | 27.59B | 5.48B | 15.45B | 33.76B | 32.67B |
| Net Cash Flow | 2.37B | -943.98M | -363.41M | 1.27B | 5.00B | 3.28B |
| Free Cash Flow | 6.59B | -12.88B | 1.85B | -5.27B | -19.66B | -26.51B |
| Free Cash Flow Margin | 90.96% | -179.69% | 33.34% | -66.71% | -247.09% | -376.25% |
| Free Cash Flow Per Share | 8.01 | -15.62 | 2.24 | -6.36 | -23.73 | -31.99 |
| Cash Interest Paid | 4.09B | 14.22B | 11.68B | 7.37B | 5.24B | 3.95B |
| Cash Income Tax Paid | 202.91M | 682.28M | 1.34B | 1.93B | 1.36B | 760.12M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 7.37B | 4.14B | 6.88B | 13.92B | 13.96B | 19.40B |
| Last Close Price | 8.90 | 5.00 | 8.30 | 15.10 | 14.50 | 19.52 |
| PE Ratio | 13.85 | 31.22 | 96.39 | 7.00 | 7.22 | 8.57 |
| PS Ratio | 1.02 | 0.58 | 1.24 | 1.76 | 1.75 | 2.75 |
| PB Ratio | 0.51 | 0.30 | 0.50 | 0.96 | 1.05 | 1.61 |
| P/FCF Ratio | 1.12 | 3.73 | ||||
| P/OCF Ratio | 1.10 | 2.21 | ||||
| Debt / Equity Ratio | 0.89 | 1.03 | 1.47 | 1.36 | 1.40 | 0.91 |
| Debt / FCF Ratio | 1.96 | 10.92 | ||||
| Net Debt / Equity Ratio | 0.23 | 0.42 | 0.71 | 0.56 | 0.59 | 0.30 |
| Net Debt / FCF Ratio | 0.51 | -0.46 | 5.31 | -1.56 | -0.40 | -0.14 |
| Return on Equity (ROE) | 3.71% | 0.96% | 0.51% | 14.30% | 15.27% | 20.83% |
| Return on Assets (ROA) | 0.21% | 0.05% | 0.03% | 0.95% | 1.09% | 1.69% |
| Earnings Yield | 7.22% | 3.20% | 1.04% | 14.29% | 13.85% | 11.67% |
| FCF Yield | 89.30% | -310.80% | 26.84% | -37.84% | -140.88% | -136.65% |
| Dividend Yield | 6.55% | 4.26% | 2.85% | |||
| Payout Ratio | 1,277.50% | 34.51% | 28.62% | 25.04% | ||
| Buyback Yield / Dilution | 0.06% | 0.48% | -20.60% | |||
| Total Shareholder Return | 0.06% | 0.48% | 6.55% | 4.26% | -17.75% |