Pubali Bank PLC

Pubali Bank maintains a strong financial position with a low NPL ratio of approximately 2.20% and focuses on digital banking expansion.

Established 1959 as Eastern Mercantile Bank Limited in East Pakistan; renamed Pubali Bank 1972; nationalized 1972; denationalized 1983 as private commercial bank. established_year=1959 (original founding); license_year=1983 (re-licensed as private bank). Branch count 504 per multiple sources (Bonikbarta 2024 ranking, TBS, Financial Express — consistently cited as 'largest private commercial bank' by branch count); Wikipedia (stale) says 707, which appears to include sub-branches and Islamic windows. Sub-branch count 195 and 21 Islamic Banking Windows from search result citing 2024 sources (Financial Express article). Employee count 9,608 per Directors' Report snippet in Google search result ('total workforce of 9608'). Paid-up capital BDT 11,568,000,000 per stockanalysis.com FY2024 balance sheet; FY2023 figure was BDT 10,283,000,000; the increase reflects a stock dividend. Authorized capital not confirmed. Total assets BDT 984,265,000,000 per stockanalysis.com FY2024 citing S&P Global Market Intelligence (cross-checked against official pubalibangla.com balance sheet URL returning HTTP 403; a Google snippet from the balance sheet cited total liabilities+equity ~BDT 981,203,156,118 as of Dec 31, 2024 — consistent with 984B at stockanalysis rounding). Total deposits BDT 722,496,000,000 and gross loans BDT 662,318,000,000 per stockanalysis.com FY2024 balance sheet. Net profit BDT 7,801,000,000 (Tk 780.1 crore, FY2024) per stockanalysis.com income statement and confirmed by TBS 'profit surges 43%' article (Tk 780 crore FY2024); note TBS article headline says '+43%' but text says '+12% from previous year' — the +43% appears to reference H1 or YoY from a particular quarter, not full-year FY2023-to-FY2024. stockanalysis.com shows FY2023 net income BDT 6,950,000,000 and FY2024 BDT 7,801,000,000, a 12.2% increase — this is internally consistent. ROA 0.87% and ROE 15.81% per stockanalysis.com ratios page (FY2024). NPL ratio: 5.1% figure cited by SimplyWallSt as FY2024; Financial Express article separately cites 5.40% as of September 2024; these are consistent (Q3 end vs year-end with slight improvement). NPL BDT amount not confirmed from audited source; left null. CAR 13.77% cited in one web search result snippet for FY2024 (bank ranked 14th in 2024 rankings); this figure is consistent with the Bonikbarta ranking noting Pubali lagged in CAR (14th position); CAR is above Bangladesh Bank's 12.5% minimum. Chairman Monzurur Rahman: re-elected June 2024 for a two-year term per Daily Star and New Age articles; chairman_since set to 2024-06-01 (approximate per reporting). MD/CEO Mohammad Ali: appointed 2023 per New Age article ('Mohammad Ali becomes Pubali Bank MD, CEO'); md_ceo_since set to 2023-01-01 (approximate; exact date not confirmed from primary source). Credit rating: link to official credit rating PDF returned HTTP 403; rating_long_term, rating_agency, rating_as_of all null — to be verified from CRAB/CRISL websites. government_ownership_pct=0.0: Pubali Bank has been fully private since denationalization in 1983; no government shareholding reported. foreign_ownership_pct not confirmed. FY2025 figures (net profit Tk 1,090 crore, NPL 2.05%) are most recent available but are FY2025 unaudited or management-reported; the financials block uses FY2024 audited figures. Shareholders equity BDT 53,302,000,000 per stockanalysis.com FY2024. verification_status=partial: CAR not confirmed from audited primary source (annual report PDF inaccessible); credit rating not confirmed; MD appointment exact date not confirmed; ATM count not confirmed; agent banking not confirmed; authorized capital not found.