Company · Analysis · 03 Nov 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
NRBC Bank, set up by non-resident Bangladeshis, went from a 5.35% NPL ratio in 2023 to 17.17% in 2025 after Bangladesh Bank dissolved its sponsor board in March 2025. Its 2025 profit of BDT 330m was reported with Tk1,006.11 crore of required provisions left out of the accounts under a BB letter. This note sets out the filings.
Updated 3-Nov-2026: added the full FY2025 annual report and the Q3 2026 statements; the business model and industry forces; deposit accounts, trade and remittance volumes for five years; loan concentration by industry and by customers above 10% of capital; interest paid by deposit type and…