Balance Sheet Rupali Bank PLC.

Stocks

RUPALIBANK

BD0107RUBNK0

Banks

End-of-day quote Dhaka S.E. Other stock markets 2026-06-11			5-day change	1st Jan Change
16.60 ^BDT	+0.61%		0.00%	-4.05%

May. 16	Rupali Bank PLC. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
25-10-29	Rupali Bank PLC. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2025	CI

0ef797de0982e4de09aa5f658aabc._DAc-6ncvMJXGKbb0eCN1TlZwDpCsQ-mksKL3hd2nPs.zQVOkPGr5fUfVsS5pIX0vA4M8WgF2GXB27Pah1w426qEdl3KhKX_-x1c7w

Published financial data: RUPALI BANK PLC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	22.43B	24.33B	29.09B	34.01B	31.81B
Interest Income, Total	22.43B	24.33B	29.09B	34.01B	31.81B
Interest On Deposits	25.7B	27.31B	31.85B	40.61B	47.52B
Interest Expense, Total	25.7B	27.31B	31.85B	40.61B	47.52B
Net Interest Income	-3.28B	-2.98B	-2.76B	-6.6B	-15.71B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-83.28M	-66.66M	-4.18M	-2.04B	-132M
Total Other Non Interest Income	17.4B	18.15B	19.24B	21.42B	28.08B
Non Interest Income, Total	17.32B	18.09B	19.24B	19.38B	27.95B
Revenues Before Provison For Loan Losses	14.05B	15.1B	16.48B	12.78B	12.24B
Provision For Loan Losses	216M	155M	3.11B	262M	13.5M
Total Revenues	13.83B	14.95B	13.37B	12.52B	12.23B
Salaries And Other Employee Benefits	5.76B	6.6B	6.6B	7.88B	7.22B
Occupancy Expense	798M	865M	960M	1.07B	1.06B
Selling General & Admin Expenses, Total	494M	689M	736M	846M	856M
Total Other Non Interest Expense	5.86B	6.05B	3.63B	2.33B	2.57B
Non Interest Expense, Total	12.91B	14.2B	11.93B	12.12B	11.71B
EBT, Excl. Unusual Items	922M	749M	1.44B	397M	513M
Other Unusual Items	-	-30K	-	-	-
EBT, Incl. Unusual Items	922M	749M	1.44B	397M	513M
Income Tax Expense	422M	464M	816M	283M	445M
Earnings From Continuing Operations	500M	285M	627M	114M	68.19M
Net Income to Company	500M	285M	627M	114M	68.19M
Net Income - (IS)	500M	285M	627M	114M	68.19M
Net Income to Common Incl Extra Items	500M	285M	627M	114M	68.19M
Net Income to Common Excl. Extra Items	500M	285M	627M	114M	68.19M
Per Share Items
Net EPS - Basic	1.02	0.58	1.28	0.23	0.14
Basic EPS - Continuing Operations	1.02	0.58	1.28	0.23	0.14
Basic Weighted Average Shares Outstanding	488M	488M	488M	488M	488M
Net EPS - Diluted	0.41	0.24	0.52	0.1	0.06
Diluted EPS - Continuing Operations	0.41	0.24	0.52	0.1	0.06
Diluted Weighted Average Shares Outstanding	1.22B	1.2B	1.2B	1.17B	1.17B
Normalized Basic EPS	1.18	0.96	1.85	0.51	0.66
Normalized Diluted EPS	0.47	0.39	0.75	0.21	0.27
Dividend Per Share	0.19	-	-	-	-
Supplemental Items
Effective Tax Rate - (Ratio)	45.77	61.99	56.57	71.31	86.72
Total Current Taxes	299M	286M	986M	419M	594M
Total Deferred Taxes	123M	178M	-169M	-136M	-149M
Normalized Net Income	576M	468M	902M	248M	321M
Non-Cash Pension Expense	1.31B	1.33B	1.36B	1.61B	1.68B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	38.4B	30.68B	41.27B	36.23B	35.12B
Investment Securities, Total	133B	127B	144B	146B	151B
Trading Asset Securities, Total	51.24B	34.06B	65.68B	47.01B	76.83B
Total investments	184B	161B	210B	193B	228B
Gross Loans	429B	506B	537B	653B	643B
Allowance For Loan Losses	-47.47B	-69.4B	-57.97B	-138B	-129B
Net Loans	382B	437B	479B	515B	514B
Gross Property Plant And Equipment	18.46B	18.86B	19.28B	19.78B	20.16B
Accumulated Depreciation	-4B	-4.33B	-4.74B	-5.18B	-5.65B
Net Property Plant And Equipment	14.46B	14.52B	14.54B	14.61B	14.51B
Other Intangibles, Total	-	-	-	-	-
Accrued Interest Receivable	7.89B	7.56B	8.51B	7.2B	7.52B
Other Receivables	252M	684M	839M	2B	2.54B
Restricted Cash	24.18B	23.35B	27.29B	28.02B	30.67B
Other Current Assets, Total	7.69B	7.91B	8.43B	7.61B	9.96B
Deferred Tax Assets Long-Term (Collected)	541M	397M	552M	675M	797M
Deferred Charges Long-Term	2.7M	1.89M	265K	265K	-
Other Long-Term Assets, Total	6.69B	5.53B	4.65B	3.67B	5.34B
Total Assets	666B	688B	795B	808B	848B
Liabilities
Accrued Expenses, Total	1.28B	1.48B	1.86B	1.79B	1.78B
Interest Bearing Deposits	543B	549B	621B	637B	672B
Non-Interest Bearing Deposits	22.48B	26.94B	24B	24.59B	24.19B
Total Deposits	566B	576B	645B	661B	697B
Short-Term Borrowings	174M	11.17B	22.37B	7.3B	110M
Current Portion of Long-Term Debt	3.45B	-	-	-	-
Current Portion of Leases	-	47.9M	47.9M	47.9M	47.9M
Long-Term Debt	3.58B	4.25B	5.82B	6.58B	5.84B
Long-Term Leases	180M	127M	119M	120M	125M
Current Income Taxes Payable	2.5B	1.32B	1.74B	3.36M	6.41M
Accrued Interest Payable	5.9B	6.66B	8.4B	10.07B	11.32B
Other Current Liabilities - (Bank / Utility Template)	4.85B	4B	3.84B	4.67B	4.14B
Unearned Revenue Non Current	-	-	-	-	66.94K
Pension & Other Post Retirement Benefits	4.64B	5.49B	543M	1.8B	2.13B
Deferred Tax Liability Non-Current	603M	637M	623M	609M	582M
Other Non Current Liabilities	56.45B	60.2B	87.14B	96.73B	108B
Total Liabilities	649B	671B	778B	791B	831B
Common Stock, Total	4.56B	4.65B	4.65B	4.88B	4.88B
Retained Earnings	4.2B	4.37B	4.83B	4.68B	4.73B
Comprehensive Income and Other	8.5B	7.76B	7.67B	7.5B	7.48B
Total Common Equity	17.26B	16.78B	17.15B	17.06B	17.09B
Total Equity	17.26B	16.78B	17.15B	17.06B	17.09B
Total Liabilities And Equity	666B	688B	795B	808B	848B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	488M	488M	488M	488M	488M
ECS Total Common Shares Outstanding	488M	488M	488M	488M	488M
Book Value / Share	35.37	34.38	35.14	34.97	35.02
Tangible Book Value	17.26B	16.78B	17.15B	17.06B	17.09B
Tangible Book Value Per Share	35.37	34.38	35.14	34.97	35.02
Total Debt	7.39B	15.59B	28.37B	14.05B	6.13B
Deposits at Interest - Cash	58.35B	48.19B	62.87B	57.55B	59.07B
Net Debt	-82.26B	-49.14B	-78.59B	-69.19B	-106B
Full Time Employees	-	-	-	-	-
Number Of Offices	-	-	586	586	587

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	500M	285M	627M	114M	68.19M
Depreciation, Depletion & Amortization	308M	328M	403M	424M	452M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	308M	328M	403M	424M	452M
Amortization of Deferred Charges, Total	14.45M	12.14M	18.1M	19.42M	22.19M
Change in Other Net Operating Assets (Collected)	-37.15B	-29.35B	-33.69B	-26.38B	7.82B
Other Operating Activities	1.05B	4.17B	5.27B	3.31B	200M
Cash from Operations	-35.28B	-24.56B	-27.38B	-22.51B	8.56B
Capital Expenditure	-331M	-384M	-433M	-459M	-384M
Sale of Property, Plant, and Equipment	4.78K	330K	88.04K	1.18K	8.27K
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-22.06B	-5.23B	-50.55B	13.3B	-35.54B
Other Investing Activities, Total	-	-	19.97M	-	12.92M
Cash from Investing	-22.39B	-5.61B	-50.96B	12.84B	-35.91B
Long-Term Debt Issued, Total	213M	8.23B	12.8B	-	54.01M
Total Debt Issued	213M	8.23B	12.8B	-	54.01M
Long-Term Debt Repaid, Total	-1.22B	-	-	-14.36B	-7.93B
Total Debt Repaid	-1.22B	-	-	-14.36B	-7.93B
Issuance of Common Stock	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	44.13B	12.25B	78.64B	18.58B	34.72B
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	43.13B	20.48B	91.44B	4.22B	26.84B
Foreign Exchange Rate Adjustments	1.16B	1.14B	1.41B	1.14B	2.05B
Miscellaneous Cash Flow Adjustments	-	-1	-	-	1
Net Change in Cash	-13.37B	-8.56B	14.52B	-4.31B	1.55B
Supplemental Items
Cash Interest Paid	25.65B	26.43B	30.11B	38.94B	46.26B
Cash Income Tax Paid (Refund)	518M	1.44B	573M	2.21B	9.73M
Net Debt Issued / Repaid	-1B	8.23B	12.8B	-14.36B	-7.88B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.08	0.04	0.08	0.01	0.01
Return On Equity %	2.82	1.67	3.69	0.67	0.4
Return on Common Equity	2.82	1.67	3.69	0.67	0.4
Shareholders Value Added	-1.63B	-1.76B	-1.41B	-1.94B	-1.98B
Margin Analysis
SG&A Margin	50.96	54.54	62.07	78.23	74.77
Net Interest Income / Total Revenues %	-23.68	-19.96	-20.63	-52.75	-128.46
EBT Excl. Non-Recurring Items Margin %	6.67	5.01	10.79	3.17	4.2
Income From Continuing Operations Margin %	3.62	1.9	4.69	0.91	0.56
Net Income Margin %	3.62	1.9	4.69	0.91	0.56
Net Avail. For Common Margin %	3.62	1.9	4.69	0.91	0.56
Normalized Net Income Margin	4.17	3.13	6.75	1.98	2.62
Asset quality
Nonperforming Loans / Total Loans %	15.52	18.23	18.71	32.71	31.15
Nonperforming Loans / Total Assets %	10	13.41	12.64	26.44	23.61
Nonperforming Assets / Total Assets %	10	13.41	12.64	26.44	23.61
NPAs / Loans and OREO	15.52	18.23	18.71	32.71	31.15
NPAs / Equity	386.33	549.87	585.81	1.25K	1.17K
Allowance for Credit Losses / Net Charge-offs %	-68.3K	-61.85K	-43.04K	-31.24K	-51.14K
Allowance for Credit Losses / Nonperforming Loans %	71.21	75.23	57.72	64.74	64.39
Allowance for Credit Losses / Total Loans %	11.05	13.71	10.8	21.18	20.06
Provision for Loan Losses / Net Charge-offs %	-310.49	-138.15	-2.31K	-59.2	-5.36
Capital And Funding
Total Average Common Equity / Total Average Assets %	2.74	2.51	2.29	2.13	2.06
Total Average Equity / Total Average Assets %	2.74	2.51	2.29	2.13	2.06
Total Equity + Allowance for Loan Losses / Total Loans %	15.07	17.03	13.99	23.79	22.71
Gross Loans / Total Deposits %	75.94	87.89	83.22	98.75	92.25
Net Loans / Total Deposits %	67.54	75.83	74.23	77.84	73.75
Tier 1 Capital Ratio %	3.65	3.36	3.43	2.83	2.58
Total Capital Ratio %	5.64	4.99	5.36	3.03	2.94
Core Tier 1 Capital Ratio	3.65	3.36	3.43	2.83	2.58
Tier 2 Capital Ratio	1.99	1.63	1.92	0.2	0.35
Interbank Ratio	70.32	74.72	2.98	2.9	2.49
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.04	1.03	1.05	1.01	1.01
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-5.37	-8.89	-7.55	139.38	137.85
Non Interest Income, 1 Yr. Growth %	20.05	7.59	6.36	0.76	44.17
Provision For Loan Losses, 1 Yr. Growth %	1.45K	-28.17	1.91K	-91.57	-94.85
Total Revenues, 1 Yr. Growth %	26.26	12.22	-10.56	-6.37	-2.33
Earnings From Cont. Operations, 1 Yr. Growth %	146.44	-43.08	120.14	-81.82	-40.15
Net Income, 1 Yr. Growth %	146.44	-43.08	120.14	-81.82	-40.15
Normalized Net Income, 1 Yr. Growth %	-35.68	-19.38	92.66	-72.48	29.25
Diluted EPS Before Extra, 1 Yr. Growth %	144.38	-43.17	119.99	-81.48	-40
Gross Loans, 1 Yr. Growth %	17.82	17.84	6.07	21.63	-1.58
Allowance For Loan Losses, 1 Yr. Growth %	78.34	46.2	-16.47	138.51	-6.79
Net Loans, 1 Yr. Growth %	13.05	14.32	9.65	7.48	-0.18
Non Performing Loans, 1 Yr. Growth %	67.82	38.38	8.88	112.65	-6.29
Non Performing Assets, 1 Yr. Growth %	67.82	38.38	8.88	112.65	-6.29
Total Assets, 1 Yr. Growth %	5.57	3.24	15.5	1.64	4.92
Total Deposits, 1 Yr Growth %	6.58	1.82	12	2.76	5.36
Tangible Book Value, 1 Yr. Growth %	-5.51	-2.78	2.2	-0.49	0.15
Common Equity, 1 Yr. Growth %	-5.51	-2.78	2.2	-0.49	0.15
Total Equity, 1 Yr. Growth %	-5.51	-2.78	2.2	-0.49	0.15
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	575.52	-7.15	-8.22	48.76	138.61
Non Interest Income, 2 Yr. CAGR %	23.62	11.96	6.97	3.52	20.53
Provision For Loan Losses, 2 Yr. CAGR %	-49.28	233.93	279.58	30.01	-93.41
Total Revenues, 2 Yr. CAGR %	14.41	16.82	0.18	-8.49	-4.37
Earnings From Cont. Operations, 2 Yr. CAGR %	-6.3	18.44	11.94	-36.74	-67.01
Net Income, 2 Yr. CAGR %	-6.3	18.44	11.94	-36.74	-67.01
Normalized Net Income, 2 Yr. CAGR %	-3.94	-27.72	24.63	-27.19	-40.36
Diluted EPS Before Extra, 2 Yr. CAGR %	-40.68	19.01	11.81	-35.19	-66.67
Gross Loans, 2 Yr. CAGR %	12.96	17.83	11.8	13.58	9.41
Allowance For Loan Losses, 2 Yr. CAGR %	32.28	61.47	10.51	41.15	49.1
Net Loans, 2 Yr. CAGR %	11.11	13.68	11.96	8.56	3.58
Non Performing Loans, 2 Yr. CAGR %	20.19	52.39	22.74	52.16	41.17
Non Performing Assets, 2 Yr. CAGR %	20.19	52.39	22.74	52.16	41.17
Total Assets, 2 Yr. CAGR %	15.7	4.39	9.2	8.36	3.27
Total Deposits, 2 Yr CAGR %	18.62	4.17	6.79	7.14	4.05
Tangible Book Value, 2 Yr. CAGR %	1.06	-4.16	-0.32	0.85	-0.17
Common Equity, 2 Yr. CAGR %	0.63	-4.16	-0.32	0.85	-0.17
Total Equity, 2 Yr. CAGR %	0.63	-4.16	-0.32	0.85	-0.17
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.38	246.43	-7.28	26.33	73.95
Non Interest Income, 3 Yr. CAGR %	28.41	16.86	10.06	4.86	15.6
Provision For Loan Losses, 3 Yr. CAGR %	-48.55	-43.04	507.02	6.68	-55.67
Total Revenues, 3 Yr. CAGR %	14.69	12.26	6.87	-2.05	-6.48
Earnings From Cont. Operations, 3 Yr. CAGR %	6.9	-20.64	45.62	-38.93	-37.9
Net Income, 3 Yr. CAGR %	6.9	-20.64	45.62	-38.93	-37.9
Normalized Net Income, 3 Yr. CAGR %	6.46	-9.17	0.22	-24.67	-11.84
Diluted EPS Before Extra, 3 Yr. CAGR %	-21.18	-41.14	46.06	-37.97	-36.84
Gross Loans, 3 Yr. CAGR %	15.85	14.56	13.77	14.98	8.28
Allowance For Loan Losses, 3 Yr. CAGR %	22.3	36.76	29.62	42.81	22.91
Net Loans, 3 Yr. CAGR %	15.14	12.17	12.32	10.44	5.56
Non Performing Loans, 3 Yr. CAGR %	14.6	25.97	36.23	47.42	29.46
Non Performing Assets, 3 Yr. CAGR %	14.6	25.97	36.23	47.42	29.46
Total Assets, 3 Yr. CAGR %	12.83	11.38	7.97	6.63	7.2
Total Deposits, 3 Yr CAGR %	14.15	12.73	6.72	5.34	6.55
Tangible Book Value, 3 Yr. CAGR %	0.3	-0.23	-2.08	-0.38	0.61
Common Equity, 3 Yr. CAGR %	0.08	-0.52	-2.08	-0.38	0.61
Total Equity, 3 Yr. CAGR %	0.08	-0.52	-2.08	-0.38	0.61
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	13.9	-3.66	1.4	147.04	35.32
Non Interest Income, 5 Yr. CAGR %	16.25	15.82	18.65	11.33	14.13
Provision For Loan Losses, 5 Yr. CAGR %	-	-44.68	14.43	-20.76	-0.58
Total Revenues, 5 Yr. CAGR %	16.49	10	7.84	3.45	2.22
Earnings From Cont. Operations, 5 Yr. CAGR %	-16.22	-13.92	8.89	-27.52	-19.6
Net Income, 5 Yr. CAGR %	-16.22	-13.92	8.89	-27.52	-19.6
Normalized Net Income, 5 Yr. CAGR %	2.24	-10.77	13.55	-16.86	-18.57
Diluted EPS Before Extra, 5 Yr. CAGR %	-30.22	-28.04	-8.99	-38.83	-18.62
Gross Loans, 5 Yr. CAGR %	16.01	16.61	14.21	14.17	12
Allowance For Loan Losses, 5 Yr. CAGR %	12.07	22.12	17.44	38.5	37.09
Net Loans, 5 Yr. CAGR %	16.57	15.86	13.86	10.71	8.74
Non Performing Loans, 5 Yr. CAGR %	13.85	15.02	17.79	35.86	38.18
Non Performing Assets, 5 Yr. CAGR %	13.85	15.02	17.79	35.86	38.18
Total Assets, 5 Yr. CAGR %	14.78	12.43	11.36	10.17	6.07
Total Deposits, 5 Yr CAGR %	15.68	13	11.15	10.46	5.59
Tangible Book Value, 5 Yr. CAGR %	7.91	4.86	0.05	0.2	-1.32
Common Equity, 5 Yr. CAGR %	7.84	4.63	-0.08	0.03	-1.32
Total Equity, 5 Yr. CAGR %	7.84	4.63	-0.08	0.03	-1.32