DSE : RUPALIBANK
Rupali Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 16.3 BDT (At close: Oct 28, 2026) · Market cap 7.95B
Latest research: Rupali Bank (RUPALIBANK) financial analysis: 39% NPL, Tk14,014 crore deferred provisions, CRAR 2.88% (Oct 2026) · Rupali Bank: 39.05% of loans classified, a Tk14,014 crore provision gap deferred by Bangladesh Bank and CRAR of 2.88%
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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 | 27.50B | 31.81B | 34.01B | 29.09B | 24.33B | 22.43B |
| Interest Paid on Deposits | 50.72B | 47.52B | 40.61B | 31.85B | 27.31B | 25.70B |
| Net Interest Income | -23.22B | -15.71B | -6.60B | -2.76B | -2.98B | -3.28B |
| Gain (Loss) on Sale of Investments | -30.20M | -132.20M | -2.04B | -4.18M | -66.66M | -83.28M |
| Other Non-Interest Income | 29.30B | 28.08B | 21.42B | 19.24B | 18.15B | 16.90B |
| Total Non-Interest Income | 29.27B | 27.95B | 19.38B | 19.24B | 18.09B | 16.81B |
| Revenues Before Loan Losses | 6.05B | 12.24B | 12.78B | 16.48B | 15.10B | 13.54B |
| Provision for Loan Losses | 18.16M | 13.50M | 262.00M | 3.11B | 155.00M | 215.79M |
| Revenue | 6.03B | 12.23B | 12.52B | 13.37B | 14.95B | 13.32B |
| Salaries and Employee Benefits | 7.47B | 7.22B | 7.88B | 6.60B | 6.60B | 5.98B |
| Occupancy Expenses | 1.19B | 1.06B | 1.07B | 960.17M | 865.32M | 798.25M |
| Selling, General & Administrative | 919.51M | 856.12M | 845.72M | 736.45M | 717.67M | 494.31M |
| Other Non-Interest Expense | 2.35B | 2.57B | 2.33B | 3.63B | 6.02B | 5.12B |
| Total Non-Interest Expense | 11.93B | 11.71B | 12.12B | 11.93B | 14.20B | 12.39B |
| EBT Excluding Unusual Items | -5.90B | 513.30M | 397.12M | 1.44B | 749.04M | 929.16M |
| Other Unusual Items | -30.00K | -6.94M | ||||
| Pretax Income | -5.90B | 513.30M | 397.12M | 1.44B | 749.01M | 922.21M |
| Income Tax Expense | 537.82M | 445.11M | 283.20M | 816.44M | 464.34M | 422.09M |
| Net Income | -6.44B | 68.19M | 113.92M | 626.68M | 284.67M | 500.12M |
| Net Income to Common | -6.44B | 68.19M | 113.92M | 626.68M | 284.67M | 500.12M |
| Basic Shares Outstanding | 487.93M | 487.93M | 487.93M | 487.93M | 487.93M | 487.93M |
| Diluted Shares Outstanding | 487.93M | 1.17B | 1.17B | 1.17B | 1.20B | 1.20B |
| EPS (Basic) | -13.19 | 0.14 | 0.23 | 1.28 | 0.58 | 1.02 |
| EPS (Diluted) | -13.20 | 0.06 | 0.10 | 0.54 | 0.24 | 0.42 |
| Dividend Per Share | 0.19 | |||||
| Effective Tax Rate | 86.72% | 71.31% | 56.57% | 61.99% | 45.77% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 31.08B | 35.12B | 36.23B | 41.27B | 30.71B | 38.40B |
| Investment Securities | 241.85B | 150.70B | 146.26B | 164.31B | 126.57B | 133.08B |
| Trading Asset Securities | 76.83B | 47.01B | 45.46B | 34.06B | 51.24B | |
| Total Investments | 241.85B | 227.53B | 193.27B | 209.77B | 160.63B | 184.32B |
| Gross Loans | 522.60B | 642.56B | 652.90B | 536.81B | 506.11B | 429.48B |
| Allowance for Loan Losses | -128.87B | -138.26B | -57.97B | -69.40B | -47.47B | |
| Net Loans | 522.60B | 513.69B | 514.63B | 478.84B | 436.71B | 382.01B |
| Property, Plant & Equipment | 14.70B | 14.51B | 14.61B | 14.54B | 14.52B | 14.46B |
| Accrued Interest Receivable | 9.32B | 7.52B | 7.20B | 8.51B | 7.56B | 7.89B |
| Other Receivables | 2.18B | 2.54B | 2.00B | 839.32M | 684.19M | 252.21M |
| Restricted Cash | 30.74B | 30.67B | 28.02B | 27.29B | 23.35B | 24.18B |
| Other Current Assets | 11.96B | 9.96B | 7.61B | 8.73B | 7.91B | 7.69B |
| Long-Term Deferred Tax Assets | 759.13M | 796.65M | 674.60M | 551.70M | 397.14M | 541.05M |
| Other Long-Term Assets | 14.10B | 5.34B | 3.67B | 4.56B | 5.53B | 6.69B |
| Total Assets | 879.29B | 847.66B | 807.92B | 794.89B | 688.01B | 666.45B |
| Accrued Expenses | 568.22M | 1.78B | 1.79B | 1.56B | 1.48B | 1.28B |
| Interest Bearing Deposits | 685.47B | 672.39B | 636.53B | 619.40B | 548.97B | 543.10B |
| Non-Interest Bearing Deposits | 26.93B | 24.19B | 24.59B | 24.00B | 26.94B | 22.48B |
| Total Deposits | 712.41B | 696.57B | 661.13B | 643.40B | 575.91B | 565.58B |
| Short-Term Borrowings | 15.86M | 109.88M | 7.30B | 22.37B | 11.17B | 173.71M |
| Current Portion of Long-Term Debt | 3.45B | |||||
| Current Portion of Leases | 47.90M | 47.90M | 47.90M | 47.90M | 47.90M | 44.75M |
| Current Income Taxes Payable | 1.01B | 6.41M | 3.36M | 9.21M | 1.32B | 2.50B |
| Accrued Interest Payable | 12.25B | 11.32B | 10.07B | 8.40B | 6.66B | 5.90B |
| Other Current Liabilities | 3.99B | 4.14B | 4.67B | 3.84B | 4.00B | 4.85B |
| Long-Term Debt | 13.94B | 5.84B | 6.58B | 5.82B | 4.25B | 3.58B |
| Long-Term Leases | 101.09M | 124.92M | 119.63M | 119.27M | 126.55M | 135.04M |
| Long-Term Unearned Revenue | 25.23K | 66.94K | ||||
| Pension & Post-Retirement Benefits | 2.03B | 2.13B | 1.80B | 1.47B | 1.06B | 4.64B |
| Long-Term Deferred Tax Liabilities | 572.94M | 582.26M | 609.34M | 622.58M | 636.86M | 602.64M |
| Other Long-Term Liabilities | 121.42B | 107.92B | 96.73B | 90.07B | 64.58B | 56.45B |
| Total Liabilities | 868.35B | 830.58B | 790.86B | 777.74B | 671.23B | 649.19B |
| Common Stock | 4.88B | 4.88B | 4.88B | 4.65B | 4.65B | 4.56B |
| Retained Earnings | -1.68B | 4.73B | 4.68B | 4.83B | 4.37B | 4.20B |
| Comprehensive Income & Other | 7.74B | 7.48B | 7.50B | 7.67B | 7.76B | 8.50B |
| Shareholders' Equity | 10.94B | 17.09B | 17.06B | 17.15B | 16.78B | 17.26B |
| Total Liabilities & Equity | 879.29B | 847.66B | 807.92B | 794.89B | 688.01B | 666.45B |
| Total Debt | 14.10B | 6.13B | 14.05B | 28.37B | 15.59B | 7.39B |
| Net Cash (Debt) | 16.98B | 105.82B | 69.19B | 58.36B | 49.18B | 82.26B |
| Net Cash Per Share | 34.79 | 90.60 | 59.24 | 49.97 | 40.91 | 68.44 |
| Filing Date Shares Outstanding | 487.93M | 487.93M | 487.93M | 487.93M | 487.93M | 487.93M |
| Total Common Shares Outstanding | 487.93M | 487.93M | 487.93M | 487.93M | 487.93M | 487.93M |
| Book Value Per Share | 22.43 | 35.02 | 34.97 | 35.14 | 34.38 | 35.37 |
| Tangible Book Value | 10.94B | 17.09B | 17.06B | 17.15B | 16.78B | 17.26B |
| Tangible Book Value Per Share | 22.43 | 35.02 | 34.97 | 35.14 | 34.38 | 35.37 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -6.44B | 68.19M | 113.92M | 626.68M | 284.67M | 500.12M |
| Depreciation & Amortization | 469.61M | 452.18M | 423.58M | 403.11M | 327.71M | 307.56M |
| Other Amortization | 25.69M | 22.19M | 194.15M | 18.10M | 12.14M | 14.45M |
| Change in Other Net Operating Assets | -12.56B | 7.82B | -26.38B | -33.90B | -29.35B | -37.15B |
| Other Operating Activities | -1.98B | 200.10M | 3.14B | 5.47B | 4.17B | 1.05B |
| Operating Cash Flow | -20.49B | 8.56B | -22.51B | -27.38B | -24.56B | -35.28B |
| Capital Expenditures | -599.39M | -383.58M | -459.19M | -433.44M | -383.89M | -330.79M |
| Sale of Property, Plant and Equipment | 8.27K | 8.27K | 1.18K | 88.04K | 330.33K | 4.78K |
| Investment in Securities | 445.85M | -35.54B | 13.30B | -50.55B | -5.23B | -22.06B |
| Other Investing Activities | 2.92M | 12.92M | 19.97M | |||
| Investing Cash Flow | -150.61M | -35.91B | 12.84B | -50.96B | -5.61B | -22.39B |
| Long-Term Debt Issued | 54.01M | 12.80B | 8.23B | 212.74M | ||
| Long-Term Debt Repaid | -7.93B | -14.36B | -1.22B | |||
| Net Debt Issued (Repaid) | 3.37B | -7.88B | -14.36B | 12.80B | 8.23B | -1.00B |
| Net Increase (Decrease) in Deposit Accounts | -1.15B | 34.72B | 18.58B | 78.64B | 12.25B | 44.13B |
| Financing Cash Flow | 2.22B | 26.84B | 4.22B | 91.44B | 20.48B | 43.13B |
| Foreign Exchange Rate Adjustments | 1.22B | 2.05B | 1.14B | 1.41B | 1.14B | 1.16B |
| Net Cash Flow | -17.19B | 1.55B | -4.31B | 14.52B | -8.56B | -13.37B |
| Free Cash Flow | -21.09B | 8.18B | -22.97B | -27.81B | -24.94B | -35.61B |
| Free Cash Flow Margin | -349.66% | 66.87% | -183.52% | -208.01% | -166.83% | -267.30% |
| Free Cash Flow Per Share | -43.22 | 7.00 | -19.67 | -23.81 | -20.75 | -29.63 |
| Cash Interest Paid | 50.82B | 46.26B | 38.94B | 30.11B | 26.43B | 25.65B |
| Cash Income Tax Paid | 11.68M | 9.73M | 2.21B | 364.87M | 1.44B | 518.41M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 7.95B | 8.44B | 10.64B | 14.64B | 11.71B | 14.53B |
| Last Close Price | 16.30 | 17.30 | 21.80 | 30.00 | 24.00 | 29.79 |
| PE Ratio | 123.80 | 93.37 | 23.36 | 41.14 | 29.06 | |
| PS Ratio | 1.32 | 0.69 | 0.85 | 1.09 | 0.78 | 1.09 |
| PB Ratio | 0.73 | 0.49 | 0.62 | 0.85 | 0.70 | 0.84 |
| P/FCF Ratio | 1.03 | |||||
| P/OCF Ratio | 0.99 | |||||
| Debt / Equity Ratio | 1.29 | 0.36 | 0.82 | 1.65 | 0.93 | 0.43 |
| Debt / FCF Ratio | 0.75 | |||||
| Net Debt / Equity Ratio | -1.55 | -6.19 | -4.05 | -3.40 | -2.93 | -4.77 |
| Net Debt / FCF Ratio | 0.81 | -12.94 | 3.01 | 2.10 | 1.97 | 2.31 |
| Return on Equity (ROE) | -45.79% | 0.40% | 0.67% | 3.69% | 1.67% | 2.82% |
| Return on Assets (ROA) | -0.74% | 0.01% | 0.01% | 0.08% | 0.04% | 0.08% |
| Earnings Yield | -80.98% | 0.81% | 1.07% | 4.28% | 2.43% | 3.44% |
| FCF Yield | -265.14% | 96.85% | -215.98% | -190.00% | -212.97% | -245.01% |
| Dividend Yield | 0.63% | |||||
| Buyback Yield / Dilution | -0.81% | 2.83% | -2.57% | |||
| Total Shareholder Return | -0.81% | 2.83% | -1.94% |