Bangladesh’s banking sector posted a mixed but largely upbeat performance in the last earnings cycle, with Standard Chartered Bangladesh emerging as the most profitable bank by a wide margin, while BRAC Bank led the domestic players with record-breaking results.

Profit Rankings
According to net profit data, Standard Chartered Bangladesh stood at the top with Tk 3,300 crore, followed by BRAC Bank (Tk 1,432 crore), HSBC Bangladesh (Tk 1,086 crore), and City Bank (Tk 1,014 crore). Among the large private commercial banks, Pubali, Eastern, and Prime Banks followed closely with profits in the Tk 745–780 crore range—each touching historic highs.

Based on net profit data below, the ranking is:

1. Standard Chartered Bank Bangladesh – Tk 3,300 cr
2. BRAC Bank – Tk 1,432 cr
3. City Bank – Tk 1,014 cr
4. HSBC Bangladesh – Tk 1,086 cr
5. Pubali Bank – ~ Tk 780 cr
6. Eastern Bank – ~ Tk 750 cr
7. Prime Bank – ~ Tk 745 cr

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Standard Chartered’s Lead

• Net Profit: Tk 3,300 cr (↑ 41 %)
• Capital Adequacy Ratio (CAR):43.33% – highest in industry
• Risk Weighted Assets: BDT 287,301 million
• Strengths: Strong governance, excellent liquidity management, efficient risk controls, diversified income streams.
• Risks: Exposure to foreign bank regulation changes, potential tightening in government securities returns.

Standard Chartered Bangladesh posted a stellar 41% year-on-year profit growth, taking net earnings to Tk 3,300 crore. Its capital adequacy ratio (CAR) of 43.33% is the highest in the industry, underpinned by strong liquidity management and efficient risk controls. The bank’s diversified income streams gave it resilience, though analysts caution that regulatory shifts abroad and changes in government securities yields could test future returns.

BRAC Bank’s Domestic Dominance

• Net Profit: Tk 1,432 cr (↑ 73 %) – highest among domestic banks .
• Operating Profit: Tk 2,400 cr .
• Net Profit (Standalone): BDT 12,136 million (66% YoY growth)
• Capital Adequacy Ratio (CAR):14.90% (Solo), 19.00% (Consolidated)
• Non-Performing Loan (NPL) Ratio:2.63%
• Deposit Growth:34% (to BDT 68,862 Cr)
• Return on Assets (ROA):1.46%
• Return on Equity (ROE):17.43%
• Strengths: SME focus, agent-banking/digital innovation, trusted brand.
• Weaknesses: Rising NPL due to sector slowdown, treasury income overshadowing core loan growth.

BRAC Bank recorded Tk 1,432 crore in net profit, up 73% year-on-year—marking the highest earnings by a Bangladeshi-owned bank. Its deposit base expanded by 34% to Tk 68,862 crore, driven by its SME focus, agent banking, and digital platforms. With a consolidated CAR of 19% and an NPL ratio of just 2.63%, BRAC Bank showcased both financial strength and prudent risk management. However, rising non-performing loans in the broader sector and dependence on treasury income remain challenges.

City Bank’s Growth Momentum

• Net Profit: ~ Tk 1,014 cr (↑ ~60 %).
• Operating Profit: Tk 2,287 cr .
• Capital Adequacy Ratio (CAR): ~13–14%
• NPL Ratio: 3.7%
• Deposit Growth:BDT 121,694 million net accrual (strong inflow, CASA 45.2%)
• Return on Assets (ROA):1.7%
• Return on Equity (ROE):26.1%
• Strengths: Strong SME/consumer loan growth, sharp decline in cost‑to‑income ratio, robust deposit inflows.
• Weaknesses: Heavily reliant on treasury bond income; net interest income declined.

City Bank registered Tk 1,014 crore in profit, a 60% jump year-on-year, alongside strong deposit inflows of BDT 121,694 million. With an ROE of 26.1%—the highest among leading banks—the lender is benefiting from cost efficiency and loan growth, though declining net interest income underscores its reliance on treasury gains.

HSBC’s Stable Performance

• Net Profit: ~ Tk 1,086 cr (↑ 9 %)
• Solid foreign bank governance, but growth modest.

HSBC Bangladesh delivered Tk 1,086 crore in net profit, up 9%, reflecting steady but modest growth. As with other foreign banks, its strength lies in governance and compliance, though local expansion remains limited.

Private Bank Trio Hit Historic Highs

• Pubali: Profit ~ Tk 780 cr (↑ ~12 %)
• Eastern: ~ Tk 750 cr – all historic highs .
• Prime: ~ Tk 745 cr
• Strengths: Strong deposit traction, improved margins
• Weaknesses: NPL provisions rising, credit growth remains weak.

Among the mid-tier leaders, Pubali Bank (Tk 780 crore), Eastern Bank (Tk 750 crore), and Prime Bank (Tk 745 crore) all achieved record earnings. Analysts point to strong deposit traction and margin gains, though rising NPL provisioning and sluggish credit growth temper the outlook.

Sector Takeaway
Based on a ranking model that weights net profit (40%), capital adequacy (20%), NPL ratio (20%), ESG performance (10%), and deposit growth (10%), Standard Chartered and BRAC Bank stand out as clear leaders—one for its international scale and capital buffer, the other for domestic innovation and aggressive growth.

Summary Table (Placeholder for topline net profit ranking)

Rank	Bank Name	Net Profit (Tk cr)	Note
1	Standard Chartered Bangladesh	3,300	Highest in sector
2	BRAC Bank	1,432	Leading domestic bank
3	City Bank	1,014	Strong growth, treasury-led profitability
4	HSBC Bangladesh	1,086	Moderate domestic profit
5	Pubali Bank	780	Depositor confidence, government bond gain
6	Eastern Bank	750	Corporate/retail mix growth
7	Prime Bank	745	Consistent asset expansion