Export Import (Exim) Bank of Bangladesh PLC has reported a notable improvement in its financial results for the July–September quarter of 2025, with consolidated losses shrinking by 41 per cent year-on-year to Tk333 crore. Despite this progress, the Shariah-based private lender continues to face acute liquidity stress and rising provisioning requirements.
According to the bank’s unaudited financial statement released on the Dhaka Stock Exchange (DSE) on Monday, its loss per share stood at Tk2.30, compared with Tk3.91 in the same quarter last year — signalling gradual recovery from the steep losses of 2024.
For the January–September 2025 period, Exim Bank posted a cumulative loss of Tk314 crore, down 22 per cent from the Tk401 crore loss recorded in the corresponding period of 2024. During the nine months, its consolidated loss per share fell to Tk2.17, compared with Tk2.77 a year earlier.
However, the bank’s cash flow position remains critical. Its net operating cash flow per share dropped into negative territory at Tk20.80, reflecting substantial cash outflows exceeding inflows over the first nine months of the year. Following the earnings announcement, Exim Bank’s share price declined by 3.13 per cent to close at Tk3.10 on the DSE.
Exim Bank has also been at the centre of regulatory scrutiny and governance challenges. In August 2024, the Bangladesh Bank dissolved its board of directors, citing governance failures and irregularities. The central bank later appointed five new board members, removing former chairman Md Nazrul Islam Mazumder and his wife Nasreen Islam from their posts.
The institution remains under tight regulatory monitoring as it moves through a merger process with four banks linked to S Alam Group, an initiative designed to stabilise the group’s distressed financial entities.
Exim Bank’s overall performance has weakened sharply in recent years. In 2024, it posted a modest net profit of Tk26 crore, marking a 92 per cent decline from the Tk338 crore earned in 2023. The bank also suspended dividend payments for 2024, in contrast to the 10 per cent cash dividend distributed the previous year.
Analysts note that while the recent narrowing of losses indicates some financial recovery, the bank’s persistent liquidity shortfall and exposure to regulatory restructuring continue to pose major challenges to its long-term stability.