Eastern Bank (EBL) PLC reported a 20 per cent increase in profit after tax for 2025, with earnings reaching Tk901 crore, reflecting steady performance despite a challenging operating environment.
The bank’s growth was supported by balance sheet discipline and risk management, with deposits rising 21.6 per cent to Tk55,645 crore and loans and advances increasing 16.1 per cent to Tk47,704 crore.
Investments saw a sharp expansion, climbing 47.8 per cent to Tk21,147 crore by the end of the year.
Asset quality remained strong, with the non-performing loan ratio declining to 2.24 per cent in December 2025, significantly below the industry average of 30.60 per cent.
The bank maintained full compliance with regulatory requirements and did not breach any Basel III-related liquidity thresholds during the period.
Profitability indicators also improved, with return on equity rising to 19.13 per cent from 18.57 per cent a year earlier, while the cost-to-income ratio stood at 40.36 per cent, among the lowest in the industry.
Shareholder returns strengthened as earnings per share increased to Tk5.65 from Tk4.70 in 2024, while net asset value per share rose to Tk31.86 from Tk27.16.
To support future growth, the bank further reinforced its capital position, with the capital to risk-weighted assets ratio increasing to 15.49 per cent on a solo basis, compared with 15.11 per cent in the previous year.
The results highlight the bank’s focus on consistent earnings, disciplined execution and risk management, positioning it to pursue strategic priorities in 2026 with an emphasis on sustainable growth and long-term value creation.
