Pubali Bank PLC has reported a threefold increase in long-term investor value alongside a surge in digital transactions for 2025, according to disclosures made at its 43rd Annual General Meeting (AGM).
The private commercial lender posted a consolidated operating profit of Tk2,907.57 crore and a net profit after tax of Tk1,079.56 crore for the year, weathering a challenging domestic and global macroeconomic environment.
Addressing the AGM, Pubali Bank managing director and CEO Mohammad Ali revealed that the bank’s share price rose from a range of Tk 16–20 in 2022 to over Tk37 in 2025. Backed by successive stock dividends, the lender's paid-up capital expanded by 56% to Tk1,560 crore, up from approximately Tk 1,000 crore.
The bank reported an Earnings Per Share (EPS) of Tk 8.30, a Return on Equity (ROE) of 15.51%, and a Capital to Risk-Weighted Assets Ratio (CRAR) of 15.34%—well clear of the regulatory baseline.
On asset quality, Pubali Bank reported a non-performing loan (NPL) ratio of 2.20% at the close of 2025.
The figure stands in stark contrast to the broader Bangladeshi banking industry's average NPL ratio, which hovered around 30.60%. Management attributed the low default rate to data-driven credit monitoring and strict recovery protocols.
The bank's total assets grew by 20.25% year-on-year to reach Tk118,013.66 crore. Total deposits climbed to Tk89,519.49 crore, while the bank's loan portfolio and advances scaled up to Tk71,140.63 crore.
In foreign trade operations, Pubali Bank facilitated:
- Imports: Tk47,313.74 crore
- Exports: Tk38,664.26 crore
- Inward Remittances: Tk11,362.13 crore
The lender's digital transition gathered momentum through its 'PI Digital Platform', which saw active users increase by 78% year-on-year to 528,276.
The platform processed 18.6 million transactions in 2025, marking a 115% volume increase.
To boost retail digital payments, the bank expanded its physical infrastructure to 25,525 merchant point-of-sale (POS) terminals and deployed over 145,000 Bangla QR codes nationwide.
This digital ecosystem operates alongside a brick-and-mortar network consisting of 517 branches, 274 sub-branches, and 901 ATM/CRM booths.
On the sustainability front, nearly 30% of the bank's total loan portfolio was classified under sustainable finance by the end of 2025.
The initiative included funding 37 LEED-certified factories. Additionally, the bank transitioned 411 branches and 453 ATM booths to solar power, alongside adopting IFRS S1 and S2 sustainability disclosure standards under its Net-Zero 2050 strategy.
Looking forward, Ali announced that under its Strategic Plan 2026–2028, Pubali Bank will initiate a year-long nationwide cashless campaign in 2026 targeting retail, healthcare, and CMSME sectors to drive its financial inclusion mandate.
