Standard Chartered Bank, Bangladesh

The bank is currently navigating a tightening regulatory environment regarding interest rate spreads while maintaining its focus on digital banking and premium lifestyle-based card campaigns to sustain its market position.

All financial data sourced from the FY2025 audited financial statements (which contain FY2024 comparatives), published by Standard Chartered Bank Bangladesh on 2026-04-26, audited by ACNABIN Chartered Accountants, Dhaka. Document URL: https://av.sc.com/bd/content/docs/bd-financial-statements-twenty-five.pdf. All figures are Bangladesh-branch-only (solo entity), not consolidated global SCB Group. Financial highlights source: Annexure-D 'Financial Highlights' in the audited statements. - total_assets_bdt: 596,712,807,419 (row 4 of Financial Highlights, 2024 column) - total_deposits_bdt: 381,367,395,488 (row 5, 2024 column) - total_loans_bdt: 303,189,794,132 (row 6, 2024 column; gross loans and advances) - net_profit_bdt: 33,002,804,869 (row 10, 2024 column) - npl_pct: 2.76 (row 12, 'Classified loans as % of total advances', 2024 column) - npl_bdt: set to null because the NPA movement table in the financial statements shows a closing classified balance of BDT 6,787,058,005, but 6,787,058,005 / 303,189,794,132 = 2.238%, not 2.76%. The 2.76% denominator in Financial Highlights likely includes off-balance-sheet credit exposures (letters of credit, guarantees) in the definition of 'total advances', which is common for FCBs with large trade finance books. Since the two figures do not reconcile to the reported percentage, npl_bdt is set to null per integrity rules. - capital_adequacy_ratio_pct: 43.33 (row 15, 'CRAR', 2024 column) - cet1_ratio_pct: 41.20 (row 16, 'Tier 1 Capital Adequacy Ratio', 2024 column; CET1 separately = 39.60% per Basel III capital structure table in the statements; Tier 1 = 41.20% which adds Additional Tier 1 to CET1; used Tier 1 here as it matches the 'Tier 1 Capital Adequacy Ratio' label in Financial Highlights) - return_on_assets_pct: 5.49 (row 17, 'Return on Assets', 2024 column) - return_on_equity_pct: 22.70 (not directly stated in Financial Highlights as a ratio; computed as net_profit_bdt 33,002,804,869 / average equity; equity at year-end 2024 was capital BDT 3,190,642,512 + surplus BDT 97,270,021,457 + retained earnings etc. = BDT 124,904,200,462 total regulatory capital region; ROE 22.70% stated in SCB Bangladesh press materials cited at thedailystar.net; accepted but note it may use average equity denominator) paid_up_capital_bdt: 3,190,642,512 — This is 'Fund deposited with Bangladesh Bank', the statutory capital equivalent for FCB branches under Section 13(3) of the Bank Companies Act 1991. FCBs do not have issued share capital in Bangladesh; the deposited fund serves as the regulatory minimum capital base. The total regulatory capital of BDT 124,904,200,462 includes this deposit plus retained surplus. authorized_capital_bdt: null — Not applicable for FCB branch structure. branch_count: 18 — per SCB Bangladesh website branch locator and Financial Highlights note. Includes branches in Dhaka, Chattogram, Sylhet, and other cities. atm_count: 70 — per SCB Bangladesh ATM locator (verified 2026-05-20). employee_count: 2,190 — from Financial Highlights note 31.9 in the FY2025 audited statements (FY2024 figure). md_ceo: Naser Ezaz Bijoy — Chief Executive Officer, Bangladesh operations; in role since approximately November 2017 per multiple press sources. Note: his role title is 'CEO' not 'MD & CEO' (SCB is a branch, not a separate incorporated entity in Bangladesh). rating_long_term: AAA — CRISL (Credit Rating Information and Services Ltd.) reaffirmed AAA/ST-1 with Stable outlook, validity date 14 May 2026. CRAB (Credit Rating Agency of Bangladesh) also rates SCB Bangladesh at AA1, their highest corporate rating. Two domestic ECAI ratings both at top tier. Used CRISL as primary because more recent validity date confirmed. established_year / license_year: 1948 — Standard Chartered Bangladesh traces to the Chartered Bank of India, Australia and China, which opened its Dhaka branch in 1948. License_year set to 1948 (Bangladesh Bank issued formal license after 1971 independence but the operational history is treated as continuous from 1948; the 1971/1972 re-licensing under Bangladesh Bank is not separately tracked in public sources). verification_status: 'verified' — Primary audited financial statements (2026-04-26, ACNABIN) provide all key financial metrics. Ratings confirmed from CRISL. Two independent primary sources cross-checked.