GovTwin · Bank Watch

The banking crisis, bank by bank.

Behind the sector-wide non-performing-loan figure sits a smaller set of institutions doing most of the damage. This is the distress layer of the government twin: each loss-making bank with its financial position, the central bank's interventions, the capital it is trying to raise, and the events of the last quarter, every line traced to a primary source.

Scheduled banks

tracked

Net loss

reporting a loss

Combined loss

10,145

Tk crore

Sources

840

primary, behind the file

Net loss

Loss-making banks

All 57 banks →

Janata Bank PLCState-owned · state-owned

Tk 3,931 cr loss

FY2025

Janata Bank PLC is currently facing a critical financial crisis characterized by a massive capital shortfall of BDT 644 billion and a high volume of non-performing loans.

Recent events

2026-04-30 regulatory action Bangladesh Bank approved a deferral of BDT 2.26 billion in provisioning requirements for the 2025 fiscal year.
2026-05-14 earnings Janata Bank reported a net loss of BDT 39.31 billion for 2025 and a capital shortfall of BDT 644.06 billion.
2026-06-14 other Managing Director announced the distribution of BDT 6 billion in agricultural loans.

17 primary sources · full profile

Bangladesh Krishi BankSpecialized

Tk 2,385 cr loss

FY2022-23

Assets Tk 41,353 crDeposits Tk 40,571 crLoans Tk 32,048 crNPL 27.51%

Bangladesh Krishi Bank is currently facing a significant capital and provision shortfall alongside high levels of non-performing loans.

Recent events

2026-06-29 policy Bangladesh Krishi Bank signed an agreement with Bangladesh Bank to participate in a refinancing scheme for the CMSME sector.

20 primary sources · full profile

AB Bank PLCConventional PCB · DSE-listed

Tk 1,906 cr loss

FY2024

Assets Tk 40,987 crDeposits Tk 32,292 crLoans Tk 33,185 crNPL n/a

The bank is currently facing a combination of capital shortfall and high non-performing loans, necessitating a strategic turnaround plan and leadership restructuring.

Bangladesh Bank actions

Asset Quality Review (AQR) process initiated by the central bank

Capital actions

Plans to bring in strategic investors and potential issuance of bonds to address capital shortfalls

Recent events

2026-04-30 earnings Released Q1 2026 un-audited financial statements and 44th AGM notice.
2026-05-03 regulatory action DSE placed the bank in 'Z' category due to failure to declare dividends for two consecutive years.
2026-05-18 rating change ARGUS Credit Rating Services Limited assigned a long-term rating of 'A-' and short-term 'ST-2'.

15 primary sources · full profile

National Bank PLCConventional PCB · DSE-listed

Tk 1,707 cr loss

FY2024

Assets Tk 57,475 crDeposits Tk 36,740 crLoans Tk 43,442 crNPL 60.5%

National Bank PLC is currently facing severe financial distress characterized by significant accumulated losses, persistent liquidity constraints, and governance challenges that have necessitated ongoing regulatory intervention and board restructuring.

Bangladesh Bank actions

Emergency liquidity support of Tk 1,000 crore provided to manage withdrawal pressures.
New directive capping cash dividends at 50% for listed banks.

Capital actions

Bank meets higher paid-up capital threshold despite significant financial losses.

Recent events

2026-04-06 appointment Tabith Awal and Nazneen Ahmad appointed as members of the Board of Directors.
2026-04-26 other Bank postponed board meeting to consider audited financial statements.
2026-04-30 other Independent Director Md. Akhter Hossain participated in the 547th Board of Directors meeting.

22 primary sources · full profile

IFIC Bank PLCConventional PCB · DSE-listed

Tk 121 cr loss

FY2024

Assets Tk 57,148 crDeposits Tk 46,420 crLoans Tk 44,888 crNPL 38.0%

The bank is facing deteriorating financial health, evidenced by a net loss in Q1 2026, a downgrade to the 'Z' stock market category, and ongoing challenges with non-performing loans.

Recent events

2026-05-03 rating change The bank was downgraded to 'Z' category by the DSE due to failure to declare dividends for two consecutive years.
2026-05-03 earnings The bank reported a consolidated net loss (EPS: Tk -4.48) for Q1 2026.
2026-05-03 other The bank signed an agreement with Akij Resource to provide cash management services.

14 primary sources · full profile

ICB Islamic Bank PLCIslamic PCB · DSE-listed

Tk 95 cr loss

FY2024

Assets Tk 924 crDeposits Tk 1,088 crLoans Tk 742 crNPL 91.0%

ICB Islamic Bank is currently facing a critical existential crisis characterized by severe capital shortfall, massive accumulated losses, and a high volume of classified loans, leading to significant uncertainty regarding its status as a going concern.

Bangladesh Bank actions

Board reconstitution directive
Emergency liquidity support provision

Recent events

2026-05-13 regulatory action Bangladesh Bank issued a directive to reconstitute the board of ICB Islamic Bank by appointing three independent directors.
2026-05-18 appointment Three new independent directors were appointed to the board of ICB Islamic Bank PLC to strengthen governance.
2026-06-02 circular The bank disclosed significant uncertainty regarding its ability to continue as a going concern due to mounting losses and negative equity.

15 primary sources · full profile

Heaviest activity

Also under heavy regulatory and market activity

Banks not in net loss but with the most central-bank and market events in the last 90 days (activity 8 or higher of 10).

Islami Bank Bangladesh PLCactivity 8/10

Method and sources

Source: the BDPolicyLab Bank Watch tracker, 57 scheduled banks compiled from bank disclosures, Dhaka Stock Exchange price-sensitive filings, Bangladesh Bank circulars and credit-rating documents, and reported news, each record carrying its own source list (840 sources in total). A bank appears here when its latest reported financial year closed in a net loss; figures are as reported and are crore taka unless noted. Where a statutory ratio (NPL, capital adequacy) is not retrievable from an accessible primary source it is left as n/a rather than estimated. For every scheduled bank, distress-ranked, see Bank Watch.

The banking crisis, bank by bank.

Scheduled banks

tracked

Net loss

reporting a loss

Combined loss

10,145

Tk crore

Sources

840

primary, behind the file

The banking crisis, bank by bank.

Loss-making banks

Also under heavy regulatory and market activity

More in Watch

Bank Watch

Parliament Watch

Government Watch

University Watch

NGO Watch

Development Partner Watch

Industry Association Watch

Crisis Orb

LDC 2029 Monitor

National Early Warning

Haor Warning

Exposure Atlas

Compound Risk

Priority Index

Cropland at Risk

Disaster Ledger

The banking crisis, bank by bank.

Loss-making banks

Also under heavy regulatory and market activity