Rupali Bank reported a loss of Tk 3.44 per share in Q3 2025 due to declining operating income, despite improved cash flow from higher deposits. The state-owned bank faces challenges like rising default loans and narrow interest margins, with the government holding a 90.19% stake.
Rupali Bank Slips Into Loss in Q3 as Operating Income Falls
Rupali Bank Ltd has reported a significant loss for the July–September quarter of 2025, marking a sharp downturn from a year earlier, according to a price-sensitive disclosure on the Dhaka Stock Exchange (DSE).
The state-owned lender posted a consolidated loss per share of Tk 3.44 for the third quarter, compared to an earnings per share (EPS) of Tk 0.13 (restated) during the same period in 2024.
Bank officials attributed the setback to a decline in total operating income, which dragged overall profitability into the negative.
For the nine months ended September 2025, Rupali Bank’s consolidated net operating cash flow per share (NOCFPS) improved markedly to Tk 128.19, from a negative Tk 43.33 (restated) in the corresponding period a year ago. The improvement, according to the disclosure, was driven mainly by an increase in customer deposits, which bolstered liquidity.
As of August 31, 2025, the government remained the dominant shareholder with a 90.19 percent stake, while institutional investors held 3.53 percent and general investors owned 6.28 percent, DSE data showed.
Analysts note that despite the improvement in cash flow, the third-quarter loss reflects broader challenges faced by state-run banks, including rising default loans, shrinking interest margins, and sluggish loan recovery. Rupali Bank, one of the country’s oldest state-owned financial institutions, continues to operate under tight liquidity and regulatory pressure as it works to strengthen its balance sheet.