Income Statement Eastern Bank PLC.

Equities

EBL

BD0112EBL007

Banks

End-of-day quote Dhaka S.E. Other stock markets 15/03/2026			5-day change	1st Jan Change
26.50 ^BDT	-1.12%		+7.29%	+9.05%

17/01	Indian lender RBL Bank reports lower-than-expected Q3 profit	RE
30/25/30	Eastern Bank PLC. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2025	CI

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Published financial data: EASTERN BANK PLC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	2TCr	1.65TCr	1.99TCr	2.69TCr	3.96TCr
Interest Income, Total	2TCr	1.65TCr	1.99TCr	2.69TCr	3.96TCr
Interest On Deposits	1.4TCr	860.11Cr	1.3TCr	1.87TCr	2.92TCr
Interest Expense, Total	1.4TCr	860.11Cr	1.3TCr	1.87TCr	2.92TCr
Net Interest Income	605.19Cr	793.46Cr	685.98Cr	818.27Cr	1.03TCr
Gain (Loss) on Sale of Assets	26.69L	56.86L	42.99L	66.52L	1.31Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	7.71Cr	52Cr	27Cr	8.31Cr	-138.16Cr
Total Other Non Interest Income	843.5Cr	938.19Cr	1.13TCr	1.27TCr	1.63TCr
Non Interest Income, Total	851.48Cr	990.78Cr	1.16TCr	1.28TCr	1.49TCr
Revenues Before Provison For Loan Losses	1.46TCr	1.78TCr	1.85TCr	2.1TCr	2.53TCr
Provision For Loan Losses	63Cr	220.9Cr	162.64Cr	159.57Cr	253.62Cr
Total Revenues	1.39TCr	1.56TCr	1.68TCr	1.94TCr	2.28TCr
Salaries And Other Employee Benefits	407.33Cr	426.35Cr	501.96Cr	553.21Cr	666.86Cr
Occupancy Expense	132.02Cr	134.05Cr	156.83Cr	175.56Cr	193.29Cr
Selling General & Admin Expenses, Total	66Cr	68Cr	80Cr	116.42Cr	142.9Cr
Total Other Non Interest Expense	53Cr	66Cr	141.82Cr	118.36Cr	100Cr
Non Interest Expense, Total	658.95Cr	694.91Cr	880.27Cr	963.55Cr	1.1TCr
EBT, Excl. Unusual Items	734.24Cr	868.43Cr	802.36Cr	973.15Cr	1.17TCr
Other Unusual Items	-60Cr	-15Cr	23Cr	16Cr	38Cr
EBT, Incl. Unusual Items	674Cr	853.14Cr	824.87Cr	989.26Cr	1.21TCr
Income Tax Expense	255.96Cr	373.12Cr	312.81Cr	377.02Cr	551.67Cr
Earnings From Continuing Operations	418.04Cr	480.02Cr	512.06Cr	612.24Cr	659.9Cr
Net Income to Company	418.04Cr	480.02Cr	512.06Cr	612.24Cr	659.9Cr
Net Income - (IS)	418.04Cr	480.02Cr	512.06Cr	612.24Cr	659.9Cr
Net Income to Common Incl Extra Items	418.04Cr	480.02Cr	512.06Cr	612.24Cr	659.9Cr
Net Income to Common Excl. Extra Items	418.04Cr	480.02Cr	512.06Cr	612.24Cr	659.9Cr
Per Share Items
Net EPS - Basic	2.62	3.01	3.21	3.84	4.14
Basic EPS - Continuing Operations	2.62	3.01	3.21	3.84	4.14
Basic Weighted Average Shares Outstanding	159.58Cr	159.58Cr	159.58Cr	159.58Cr	159.58Cr
Net EPS - Diluted	2.62	3.01	3.21	3.84	4.14
Diluted EPS - Continuing Operations	2.62	3.01	3.21	3.84	4.14
Diluted Weighted Average Shares Outstanding	159.58Cr	159.58Cr	159.58Cr	159.58Cr	159.58Cr
Normalized Basic EPS	2.88	3.4	3.14	3.81	4.59
Normalized Diluted EPS	2.88	3.4	3.14	3.81	4.59
Dividend Per Share	0.89	0.75	0.84	0.95	1.49
Payout Ratio	29.13	29.6	23.28	21.91	22.73
Supplemental Items
Effective Tax Rate - (Ratio)	37.98	43.73	37.92	38.11	45.53
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	270.92Cr	402.1Cr	317.88Cr	442.96Cr	507.9Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-15Cr	-29Cr	-5.07Cr	-66Cr	44Cr
Normalized Net Income	458.9Cr	542.77Cr	501.47Cr	608.22Cr	733.26Cr
Non-Cash Pension Expense	32Cr	19Cr	7.78Cr	12Cr	12Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.75TCr	2.28TCr	2.44TCr	2.86TCr	2.6TCr
Investment Securities, Total	4.57TCr	6.89TCr	7.74TCr	9.58TCr	15TCr
Trading Asset Securities, Total	2.03TCr	-	1.56TCr	182.59Cr	119.28Cr
Total investments	6.6TCr	6.89TCr	9.3TCr	9.77TCr	15TCr
Gross Loans	23TCr	27TCr	31TCr	36TCr	41TCr
Net Loans	23TCr	27TCr	31TCr	36TCr	41TCr
Gross Property Plant And Equipment	1.09TCr	1.14TCr	1.26TCr	1.33TCr	1.15TCr
Accumulated Depreciation	-317.56Cr	-377.27Cr	-405.75Cr	-468.02Cr	-508.13Cr
Net Property Plant And Equipment	777.26Cr	766.8Cr	858.35Cr	858.22Cr	637.3Cr
Other Intangibles, Total	84Cr	84Cr	84Cr	84Cr	79Cr
Accrued Interest Receivable	134.35Cr	161.59Cr	170.92Cr	164.98Cr	226.06Cr
Other Receivables	129.68Cr	152.74Cr	154.8Cr	237.51Cr	353.15Cr
Restricted Cash	1.17TCr	1.44TCr	1.58TCr	1.47TCr	1.75TCr
Other Current Assets, Total	27Cr	49Cr	43Cr	52Cr	109.74Cr
Deferred Tax Assets Long-Term (Collected)	215.07Cr	239.58Cr	242.36Cr	292.05Cr	290.86Cr
Other Real Estate Owned And Foreclosed	11Cr	-	-	-	-
Other Long-Term Assets, Total	1.7Cr	2.03Cr	2.16Cr	5.13Cr	12Cr
Total Assets	34TCr	39TCr	46TCr	51TCr	62TCr
Liabilities
Accrued Expenses, Total	58Cr	89Cr	84Cr	83Cr	97Cr
Interest Bearing Deposits	22TCr	24TCr	29TCr	34TCr	42TCr
Non-Interest Bearing Deposits	1.77TCr	2.21TCr	2.26TCr	2.43TCr	3.32TCr
Total Deposits	24TCr	27TCr	31TCr	36TCr	45TCr
Short-Term Borrowings	199.47Cr	224.84Cr	291.14Cr	506.98Cr	532.14Cr
Current Portion of Long-Term Debt	2.79TCr	5.32TCr	6.68TCr	6.2TCr	6.55TCr
Long-Term Debt	1.64TCr	982.96Cr	887.16Cr	859.55Cr	1.29TCr
Long-Term Leases	89Cr	75Cr	131.45Cr	126.91Cr	145.79Cr
Current Income Taxes Payable	179.46Cr	336.86Cr	224.24Cr	292.3Cr	409.22Cr
Accrued Interest Payable	294.74Cr	139.89Cr	259.12Cr	362.8Cr	678.48Cr
Other Current Liabilities - (Bank / Utility Template)	192.64Cr	137.52Cr	133.73Cr	245.06Cr	135.12Cr
Unearned Revenue Non Current	5.92Cr	4.75Cr	2.47Cr	1.68Cr	3.64Cr
Pension & Other Post Retirement Benefits	42Cr	65Cr	44Cr	12Cr	55Cr
Other Non Current Liabilities	1.8TCr	2.16TCr	2.35TCr	2.68TCr	2.97TCr
Total Liabilities	31TCr	36TCr	42TCr	47TCr	58TCr
Common Stock, Total	811.8Cr	953.86Cr	1.07TCr	1.21TCr	1.36TCr
Retained Earnings	1.8TCr	2TCr	2.27TCr	2.62TCr	2.97TCr
Comprehensive Income and Other	328.45Cr	209.78Cr	229.26Cr	226.54Cr	-36Cr
Total Common Equity	2.94TCr	3.16TCr	3.58TCr	4.05TCr	4.3TCr
Total Equity	2.94TCr	3.16TCr	3.58TCr	4.05TCr	4.3TCr
Total Liabilities And Equity	34TCr	39TCr	46TCr	51TCr	62TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	159.58Cr	159.58Cr	159.58Cr	159.58Cr	159.58Cr
ECS Total Common Shares Outstanding	159.58Cr	159.58Cr	159.58Cr	159.58Cr	159.58Cr
Book Value / Share	18.45	19.83	22.41	25.4	26.92
Tangible Book Value	2.86TCr	3.08TCr	3.49TCr	3.97TCr	4.22TCr
Tangible Book Value Per Share	17.93	19.3	21.88	24.87	26.42
Total Debt	4.72TCr	6.6TCr	7.99TCr	7.69TCr	8.52TCr
Deposits at Interest - Cash	2.52TCr	3.17TCr	2.72TCr	2.44TCr	3.16TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	65Cr	44Cr	12Cr	55Cr
Net Debt	938.96Cr	4.33TCr	3.98TCr	4.65TCr	5.8TCr
Full Time Employees	-	3.09T	3.55T	3.86T	4.43T
Number Of Offices	85	90	106	118	130
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	418.04Cr	480.02Cr	512.06Cr	612.24Cr	659.9Cr
Depreciation, Depletion & Amortization	66Cr	68Cr	77Cr	82Cr	90Cr
Total Depreciation, Depletion & Amortization	66Cr	68Cr	77Cr	82Cr	90Cr
Amortization of Deferred Charges, Total	6.15Cr	6.07Cr	7.69Cr	14Cr	14Cr
Change in Trading Asset Securities	-1.06TCr	1.87TCr	-1.71TCr	49Cr	-2.97TCr
Change In Income Taxes	113.07Cr	-131.11Cr	113.49Cr	-6.09Cr	-
Change in Other Net Operating Assets (Collected)	1.07TCr	-3.96TCr	-4.11TCr	-4.38TCr	-5.98TCr
Other Operating Activities	-267.19Cr	246.98Cr	271.11Cr	241.1Cr	790.46Cr
Cash from Operations	352.19Cr	-1.42TCr	-4.84TCr	-3.39TCr	-7.4TCr
Capital Expenditure	-108.85Cr	-72Cr	-176.57Cr	-102.82Cr	-61Cr
Investment in Marketable and Equity Securities, Total	-1.27TCr	-2.23TCr	-678.31Cr	-515.01Cr	-2.04TCr
Other Investing Activities, Total	-	1	-	-	-48Cr
Cash from Investing	-1.37TCr	-2.31TCr	-854.88Cr	-617.83Cr	-2.14TCr
Long-Term Debt Issued, Total	-	1.9TCr	1.33TCr	107Cr	-
Total Debt Issued	-	1.9TCr	1.33TCr	107Cr	-
Long-Term Debt Repaid, Total	-656.72Cr	-	-	-	-106.02Cr
Total Debt Repaid	-656.72Cr	-	-	-	-106.02Cr
Common Dividends Paid	-121.77Cr	-142.06Cr	-119.23Cr	-134.14Cr	-150Cr
Common & Preferred Stock Dividends Paid	-121.77Cr	-142.06Cr	-119.23Cr	-134.14Cr	-150Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	250.32Cr	2.77TCr	4.8TCr	4.35TCr	9.81TCr
Other Financing Activities, Total	-	-1	-	-	-
Cash from Financing	-528.17Cr	4.53TCr	6.01TCr	4.32TCr	9.55TCr
Foreign Exchange Rate Adjustments	7L	-34.96L	-7.76Cr	-3.58Cr	12Cr
Miscellaneous Cash Flow Adjustments	-	1	-1	-	-
Net Change in Cash	-1.55TCr	797.68Cr	306.56Cr	306.19Cr	21Cr
Supplemental Items
Cash Interest Paid	1.54TCr	1.01TCr	1.18TCr	1.76TCr	2.61TCr
Cash Income Tax Paid (Refund)	369.04Cr	242Cr	426.3Cr	370.93Cr	389.25Cr
Net Debt Issued / Repaid	-656.72Cr	1.9TCr	1.33TCr	107Cr	-106.02Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.23	1.31	1.2	1.26	1.17
Return On Equity %	15.09	15.72	15.19	16.05	16.25
Return on Common Equity	15.09	15.72	15.19	16.05	16.25
Shareholders Value Added	86Cr	113.49Cr	107.66Cr	154.52Cr	172.69Cr
Margin Analysis
SG&A Margin	42.54	39.38	42.94	42.53	43.12
Net Interest Income / Total Revenues %	43.44	50.75	40.77	42.25	45.48
EBT Excl. Non-Recurring Items Margin %	52.7	55.55	47.68	50.25	51.55
Income From Continuing Operations Margin %	30.01	30.7	30.43	31.61	29
Net Income Margin %	30.01	30.7	30.43	31.61	29
Net Avail. For Common Margin %	30.01	30.7	30.43	31.61	29
Normalized Net Income Margin	32.94	34.72	29.8	31.4	32.22
Asset quality
Nonperforming Loans / Total Loans %	2.92	3.81	2.91	3.19	3.54
Nonperforming Loans / Total Assets %	1.98	2.64	1.97	2.21	2.35
Nonperforming Assets / Total Assets %	2.01	2.64	1.97	2.21	2.35
NPAs / Loans and OREO	2.96	3.81	2.91	3.19	3.54
NPAs / Equity	23.18	32.73	25.33	28.01	34.03
Provision for Loan Losses / Net Charge-offs %	-87.47	-923.12	108.54	-1.37T	225.26
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.18	8.35	7.91	7.84	7.17
Total Average Equity / Total Average Assets %	8.18	8.35	7.91	7.84	7.17
Total Equity + Allowance for Loan Losses / Total Loans %	12.77	11.65	11.5	11.39	10.41
Gross Loans / Total Deposits %	97.21	102.43	99.32	98.99	91.81
Net Loans / Total Deposits %	97.21	102.43	99.32	98.99	91.81
Tier 1 Capital Ratio %	10.68	10.21	10.64	10.76	11.37
Total Capital Ratio %	15.03	13.87	14.43	14.78	14.65
Core Tier 1 Capital Ratio	10.68	10.21	10.64	10.76	11.37
Tier 2 Capital Ratio	4.35	3.67	3.78	4.02	3.28
Interbank Ratio	40.48	36.7	32.27	39.64	31.26
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.48	1.99	1.63	1.53	1.41
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-26.88	31.11	-13.55	19.28	26.48
Non Interest Income, 1 Yr. Growth %	26.28	16.36	17.01	10.24	18.52
Provision For Loan Losses, 1 Yr. Growth %	-55.58	247.99	-26.38	-1.89	58.94
Total Revenues, 1 Yr. Growth %	2.51	12.21	7.63	15.1	18.55
Earnings From Cont. Operations, 1 Yr. Growth %	4.76	14.83	6.67	19.56	7.78
Net Income, 1 Yr. Growth %	4.76	14.83	6.67	19.56	7.78
Normalized Net Income, 1 Yr. Growth %	15.75	18.28	-7.61	21.29	20.56
Diluted EPS Before Extra, 1 Yr. Growth %	4.76	14.83	6.67	19.56	7.78
Dividend Per Share, 1 Yr. Growth %	16.66	-16.07	12.5	12.5	57.51
Gross Loans, 1 Yr. Growth %	-3.58	17.81	14.54	14.41	15.99
Net Loans, 1 Yr. Growth %	-3.58	17.81	14.54	14.41	15.99
Non Performing Loans, 1 Yr. Growth %	-16.3	54.08	-12.52	25.3	28.76
Non Performing Assets, 1 Yr. Growth %	-16.12	51.7	-12.52	25.3	28.76
Total Assets, 1 Yr. Growth %	0.39	15.52	17.26	11.72	21.46
Total Deposits, 1 Yr Growth %	0.91	11.81	18.12	14.79	25.06
Tangible Book Value, 1 Yr. Growth %	13.88	7.65	13.39	13.64	12.74
Common Equity, 1 Yr. Growth %	13.43	7.44	13.03	13.32	12.33
Total Equity, 1 Yr. Growth %	13.43	7.44	13.03	13.32	12.33
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-10.83	-2.09	6.47	1.55	22.83
Non Interest Income, 2 Yr. CAGR %	22.97	21.22	16.68	13.57	13.54
Provision For Loan Losses, 2 Yr. CAGR %	-46.25	24.33	60.06	-15.01	24.88
Total Revenues, 2 Yr. CAGR %	12.31	7.25	9.9	11.3	16.3
Earnings From Cont. Operations, 2 Yr. CAGR %	15.92	9.68	10.68	12.94	13.52
Net Income, 2 Yr. CAGR %	15.92	9.68	10.68	12.94	13.52
Normalized Net Income, 2 Yr. CAGR %	24.62	17.01	4.54	5.86	20.92
Diluted EPS Before Extra, 2 Yr. CAGR %	15.92	9.68	10.68	12.94	13.52
Dividend Per Share, 2 Yr. CAGR %	-1.89	-1.05	-2.83	12.5	33.12
Gross Loans, 2 Yr. CAGR %	2.98	6.58	16.16	14.47	15.2
Net Loans, 2 Yr. CAGR %	2.98	6.58	16.16	14.47	15.2
Non Performing Loans, 2 Yr. CAGR %	15.9	13.57	16.1	4.7	27.02
Non Performing Assets, 2 Yr. CAGR %	15.28	12.8	15.2	4.7	27.02
Total Assets, 2 Yr. CAGR %	9.05	7.69	16.38	14.45	16.23
Total Deposits, 2 Yr CAGR %	10.12	6.22	14.92	16.44	19.82
Tangible Book Value, 2 Yr. CAGR %	12.67	10.72	10.48	13.51	9.89
Common Equity, 2 Yr. CAGR %	12.24	10.39	10.2	13.18	9.6
Total Equity, 2 Yr. CAGR %	12.24	10.39	10.2	13.18	9.6
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.97	1.4	-6.07	10.58	9.26
Non Interest Income, 3 Yr. CAGR %	6.74	20.72	19.8	14.49	14.68
Provision For Loan Losses, 3 Yr. CAGR %	-37.52	0.17	4.4	35.97	4.71
Total Revenues, 3 Yr. CAGR %	10.67	12.28	7.38	11.61	13.33
Earnings From Cont. Operations, 3 Yr. CAGR %	19.85	15.56	8.67	13.56	11.19
Net Income, 3 Yr. CAGR %	19.85	15.56	8.67	13.56	11.19
Normalized Net Income, 3 Yr. CAGR %	19.83	22.47	8.15	9.84	10.55
Diluted EPS Before Extra, 3 Yr. CAGR %	19.85	15.56	8.67	13.56	11.19
Dividend Per Share, 3 Yr. CAGR %	-1.27	-6.86	3.28	2.03	25.85
Gross Loans, 3 Yr. CAGR %	6.35	7.71	9.17	15.57	14.98
Net Loans, 3 Yr. CAGR %	6.35	7.71	9.17	15.57	14.98
Non Performing Loans, 3 Yr. CAGR %	13.25	27.44	4.11	19.09	12.17
Non Performing Assets, 3 Yr. CAGR %	12.76	26.33	3.64	18.47	12.17
Total Assets, 3 Yr. CAGR %	9.87	11.16	10.79	14.81	16.57
Total Deposits, 3 Yr CAGR %	12.96	10.68	10.05	14.88	19.25
Tangible Book Value, 3 Yr. CAGR %	10.64	10.97	11.6	11.53	11.04
Common Equity, 3 Yr. CAGR %	10.42	10.62	11.27	11.23	10.73
Total Equity, 3 Yr. CAGR %	10.42	10.62	11.27	11.23	10.73
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.44	7.19	3.14	1.46	4.57
Non Interest Income, 5 Yr. CAGR %	4.15	9.08	10.61	17.81	17.25
Provision For Loan Losses, 5 Yr. CAGR %	-22.16	0.17	-8.98	-6.2	12.16
Total Revenues, 5 Yr. CAGR %	10.62	9.72	10.36	11.89	10.86
Earnings From Cont. Operations, 5 Yr. CAGR %	12.86	12.06	16.09	14.5	10.58
Net Income, 5 Yr. CAGR %	12.86	12.06	16.09	14.5	10.58
Normalized Net Income, 5 Yr. CAGR %	15.66	13.97	13.46	15.53	13.09
Diluted EPS Before Extra, 5 Yr. CAGR %	12.86	12.06	16.09	14.5	10.58
Dividend Per Share, 5 Yr. CAGR %	3.05	-3.24	-1.89	0.44	14.31
Gross Loans, 5 Yr. CAGR %	11.39	11.67	10.17	10.36	11.54
Net Loans, 5 Yr. CAGR %	11.39	11.67	10.17	10.36	11.54
Non Performing Loans, 5 Yr. CAGR %	8.92	19.17	14.38	17.81	12.73
Non Performing Assets, 5 Yr. CAGR %	8.51	18.34	13.73	17.19	12.43
Total Assets, 5 Yr. CAGR %	12.18	13.05	12.43	12.47	12.93
Total Deposits, 5 Yr CAGR %	13.64	14	13.74	12.95	13.86
Tangible Book Value, 5 Yr. CAGR %	7.47	8.94	10.58	11.98	10.92
Common Equity, 5 Yr. CAGR %	7.3	8.72	10.33	11.63	10.6
Total Equity, 5 Yr. CAGR %	7.3	8.72	10.33	11.63	10.6