Bangladesh · Delayed Price · Currency is BDT City Bank PLC. Earnings Call Transcripts
Fiscal Year 2026
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H1 PAT rose 74.9% to BDT 5.26bn as operating income grew 17.6%; treasury income, deposit growth and lower provisions supported results. Management flagged spread caps and ECL transition risks while prioritizing digital, retail and diversified lending.
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FY25 delivered record net profit of BDT 13.242bn, while Q1 2026 revenue rose 40% and net profit climbed 161.5% YoY. Cautious lending, stronger investment income, and a planned bond issuance frame the outlook amid macro and credit risks.
Fiscal Year 2025
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9M revenue rose 27.4% and net profit 16.2%, supported by loan growth and sharply higher investment income. Rising deposit costs, provisions, and NPLs weighed on spreads, while digital and sustainable-finance initiatives expanded.
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H1 revenue rose 25% solo and consolidated net profit grew 20.7%, supported by strong investment income. Loan and deposit growth exceeded sector levels, while rising NPLs, provisions and deposit costs remained challenges.
Fiscal Year 2024
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FY24 set records, with operating profit up 69% and consolidated profit after tax up 58.9% to BDT 10.1bn, despite heavier provisions. FY25 priorities include digital launches, retail and trade growth, amid NPL and dollar-market risks.
Fiscal Year 2023
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FY23 net profit rose 33.5% to a record BDT 6.3bn, with strong loan, deposit and core-income growth. Priorities include digital banking, portfolio diversification and managing rising credit risk.