City Bank posts record profit

City Bank PLC has reported it’s highest-ever profit of Tk 1,324 crore in 2025.

Despite a challenging economic environment, the bank registered an impressive 31 per cent growth from Tk 1,014 crore in the previous year.

On a standalone basis, the bank earned Tk 1,306 crore, while its four subsidiary companies contributed an additional Tk 18 crore in net profit.

This remarkable growth was driven by a combination of strong income generation, disciplined cost management, and prudent risk practices.

Interest income from loans grew significantly by 24per cent, rising from Tk 4,403 crore to Tk 5,452 crore.
The bank also improved its asset quality.

The non-performing loan (NPL) ratio declined to 2.5per cent at the end of 2025, down from 3.7per cent a year earlier, reflecting robust credit risk management.

Despite persistent inflationary pressure, the bank maintained its cost of deposits at 5.5per cent. Although borrowing costs increased significantly during the year, the impact was effectively offset by strategic investments in high-yield government securities.

As a result, the contribution of such investments to the total operating income of Tk 4,888 crore rose to 26per cent. Net investment income, after accounting for fund costs, stood at Tk 1,274 crore.

The bank also recorded the highest trade business volume among local banks at USD 8.01 billion, contributing to strong commission and fee income. Earnings from trade services amounted to Tk 526 crore, while retail banking and cards generated Tk 471 crore.

Total fee and commission income, therefore, reached Tk 997 crore, representing 21per cent of the bank’s total operating income.