Company · Analysis · 31 Oct 2026
Trust Bank: net interest income fell to 0.9% of earning assets in 2025 and to BDT 317m in H1 2026, while treasury income and a BDT 27.5bn special-mention book grew
Trust Bank's reported classified-loan ratio fell from 6.36% to 4.39% in 2025, but the bank wrote off BDT 10.9bn, special-mention loans rose from BDT 7.2bn to BDT 27.5bn, and the auditor says a significant proportion of classified borrowers were reported as unclassified after special rescheduling. Interest paid took 89% of interest income in 2025 and 98% in H1 2026; government securities and their income now carry the bank. Consolidated CRAR is 12.76% against 12.5% required.
Trust Bank PLC is a private commercial bank whose sponsor, Army Welfare Trust (AWT), holds 60% of the shares; the other 40% float on the stock exchanges, with institutions at 21.37% and the general public at 18.59%. At 30 June 2026 its solo balance sheet…