State-owned Janata Bank has reported a significant financial loss of Tk3,931 crore in 2025, reflecting a 28 per cent rise compared with the previous year, according to its audited financial statements. The figures indicate continued pressure on the bank’s core profitability and balance sheet stability.
The bank’s financial position has further deteriorated as its net asset value per share has fallen deeper into negative territory, recorded at Tk108.51 per share. A negative net asset value indicates that the institution’s total liabilities exceed its total assets on a per-share basis, underscoring structural stress in its capital base.
A key driver of the overall loss was a substantial negative net interest income, which stood at Tk5,903 crore. Net interest income represents the difference between interest earned from loans and advances and the interest paid on deposits and borrowings. A negative figure in this area suggests that interest expenses significantly outweighed income generated from lending activities during the period.
Another major contributing factor was the rise in classified loans, which reached Tk72,800 crore by the end of 2025. Classified loans refer to credit exposures that have been identified as impaired or at risk of default, typically including substandard, doubtful, and bad loans. The accumulation of such loans places additional pressure on provisioning requirements, thereby impacting profitability.
The bank’s earnings per share also reflected the downturn, with the loss per share increasing to Tk169.90 in 2025. This metric indicates the portion of net loss attributable to each outstanding share and is commonly used to assess shareholder impact.
The key financial indicators for 2025 are summarised below:
| Indicator | Amount (Tk crore / Tk) | Description |
|---|---|---|
| Net loss | 3,931 crore | Total annual loss in 2025 |
| Change in loss | +28% | Increase compared with previous year |
| Net interest income | -5,903 crore | Interest income minus interest expense |
| Classified loans | 72,800 crore | Loans identified as impaired or high-risk |
| Net asset value per share | -108.51 Tk | Per-share excess of liabilities over assets |
| Loss per share | 169.90 Tk | Net loss attributable per share |
The audited results highlight continued stress in asset quality and earnings generation. Rising classified loans and negative interest margins remain central challenges affecting the bank’s overall financial performance.