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Thursday | April 16, 2026 | Dhaka

EBL posts 20pc profit growth in 2025

 Business Desk
 Published: 12:06 AM, 16 April 2026

Eastern Bank PLC (EBL) has reported a strong financial performance for 2025, posting a 20 per cent growth in Profit After Tax (PAT), which reached BDT 9.01 billion (BDT 901crore), underscoring its consistent earnings momentum and resilient business model despite a challenging operating environment.

Driven by prudent balance sheet management and disciplined risk practices, the Bank continued to deliver robust growth across key financial indicators.

Deposits rose by 21.6 per cent to BDT 556.45 billion (BDT 55,645crore), while loans and advances increased by 16.1 per cent to BDT 477.04 billion (BDT 47,704crore).

Investments recorded a significant surge of 47.8 per cent, reaching BDT 211.47 billion (BDT 21,147crore) by the end of the year.

Asset quality remained one of EBL’s strongest pillars.

The Bank’s non-performing loan (NPL) ratio declined further to 2.24 per cent in December 2025, significantly outperforming the industry average of 30.60 per cent, reflecting stringent credit discipline and effective risk management.

The Bank maintained full compliance with all regulatory requirements. Notably, the Bank did not breach any regulatory or BASEL III related liquidity requirements during the year.

Profitability indicators reflected sustained strength. Return on Equity (ROE) improved to 19.13 per cent in 2025, up from 18.57 per cent in the previous year, while the cost-to-income ratio remained one of the lowest in the industry at 40.36 per cent, highlighting operational efficiency.

EBL continued to create value for its shareholders. Earnings per Share (EPS) increased to BDT 5.65 from BDT 4.70 (restated) in 2024, while Net Asset Value (NAV) per share rose to BDT 31.86 from BDT 27.16 (restated).

To support future growth and strengthen resilience, the Bank further enhanced its capital base, with the Capital to Risk-Weighted Assets Ratio (CRAR) increasing to 15.49 per cent on a solo basis, compared to 15.11 per cent in 2024.

Overall, EBL’s 2025 performance reaffirms its financial strength, disciplined execution, and ability to deliver consistent returns.

The Bank remains well-positioned to advance its strategic priorities in 2026, with a continued focus on sustainable growth, prudent risk management, and long-term value creation for stakeholders.