Rupali Bank PLC, a publicly listed state-owned bank, has released its unaudited financial statements for the third quarter of the 2025 fiscal year (July–September 2025), revealing a significant deterioration in profitability.
According to data published by the Dhaka Stock Exchange (DSE), the bank reported an earnings per share (EPS) loss of Tk 3.44 for the July–September quarter. This marks a dramatic decline from the positive EPS of Tk 0.13 recorded during the same period in the previous year.
Nine-Month Performance Shows Deepening Losses
The bank’s financial performance over the first nine months of the fiscal year (January–September 2025) also reflects mounting challenges. During this period, Rupali Bank posted a loss of Tk 3.24 per share, compared with an EPS of Tk 1.02 in the corresponding period last year.
A combination of rising loan defaults, weaker interest income, and increased provisioning requirements is believed to have contributed to the sustained downturn, although the bank has not yet disclosed the detailed reasons behind the decline.
Net Asset Value Declines
As of 30 September 2025, the bank’s net asset value (NAV) per share stood at Tk 32.17, indicating pressure on the bank’s overall balance sheet strength amid continued losses.
Key Financial Indicators
| Indicator | Q3 2025 (Unaudited) | Q3 2024 | Jan–Sep 2025 | Jan–Sep 2024 |
|---|---|---|---|---|
| EPS (Taka) | -3.44 | 0.13 | -3.24 | 1.02 |
| NAV per share (Taka) | 32.17 | – | – | – |
Outlook
The sustained losses highlight the growing vulnerabilities facing state-owned banks, particularly amid rising non-performing loans and tightening regulatory oversight. Financial analysts note that unless Rupali Bank strengthens its asset quality, improves recovery efforts, and enhances operational efficiency, the institution may face continued earnings pressure in the coming quarters.
A detailed, audited financial report is expected to shed further light on the bank’s performance and future trajectory.