Trust Bank PLC

Trust Bank PLC is currently focused on maintaining portfolio stability through diversified SME financing and active participation in central bank-led refinancing schemes.

Incorporation: June 1999 per Banglapedia and Wikipedia; operations commenced November 1999; banking licence granted the following month after incorporation. Army Welfare Trust (AWT) of Bangladesh Army holds 50% of paid-up capital per Banglapedia; DSE shareholding data (April 2026) shows sponsor/directors at 60.00%, institutions 23.47%, public 16.53% — the higher sponsor figure likely reflects AWT plus board officers' personal holdings. Chairman is General Waker-Uz-Zaman (Chief of Army Staff since 23 June 2024); exact date of appointment as Trust Bank chairman not confirmed in retrieved sources — field left null. MD/CEO Ahsan Zaman Chowdhury appointed 10 July 2024 per The Financial Express; had served as Deputy MD and Chief Business Officer since November 2020. Paid-up capital: BDT 9,247 million from stockanalysis.com balance sheet (FY2024 common stock); DSE May 2026 shows BDT 9,940.79 million (994,079,482 shares) reflecting 7.5% bonus stock issued for FY2024 dividend in mid-2025. Authorized capital BDT 25,000 million per DSE company profile. Balance sheet (total assets BDT 561,362 million, deposits BDT 445,016 million, loans BDT 406,197 million) and shareholders' equity BDT 25,482 million from stockanalysis.com FY2024 balance sheet; these figures are separately reported financial statements (bank standalone), not consolidated with subsidiaries — consolidated total assets from Simply Wall St cited ~BDT 621.2 billion (~BDT 621,200 million) which includes subsidiaries Trust Bank Investment PLC, Trust Bank Securities Limited, and Trust Axiata Digital Limited. For financial comparison purposes with other PCBs, standalone figures used here. Net profit BDT 3,723 million confirmed by DSE 'Profit for Year' (Tk 3,723.17 million), The Daily Star article (Tk 372.31 crore = BDT 3,723.1 million), and stockanalysis.com income statement. Provision for loan losses BDT 5,047 million in FY2024 per stockanalysis.com. NPL ratio 6.3% per Simply Wall St citing 'bad loans ratio' from latest available data; this is lower than the sector average of ~20.2% (Dec 2024) and consistent with Trust Bank being among the 17 domestic banks that maintained NPL below 10% per Daily Star reporting. Exact December 2024 NPL ratio not confirmed from audited annual report PDF (tblbd.com returns 403); 6.3% is the best available approximation — flagged as partial. CAR not confirmed from primary source (Basel III PDF 403 forbidden); the disclosure document exists at tblbd.com/sites/default/files/basel-III/ but was inaccessible; set to null. ROA not computed (requires full equity and asset details); set to null. CRAB AA1/ST-1 rating valid through June 2026 per public references; exact reaffirmation date not found. Branch count 119 (domestic), 8 sub-branches, 282 ATMs per Wikipedia and multiple sources (Banglapedia cites older 112 figure, not used). Agent banking outlet count and employee count not confirmed from accessed sources — set to null. First Sustainability Report published 2024. DSE listing: IPO July 2007 per Banglapedia. Verification_status=partial: balance sheet and net profit cross-confirmed from two sources; NPL is approximation; CAR not confirmed from primary PDF.