For individuals as well businesses, stability is the thing that matters most when it comes to banking. A secure bank should not deliver only deposit warm but also insurance of financial skills, efficient services and advance safety for its customers. The banking sector in Bangladesh is one of the most growth industries as a number of eminent institutions have emerged to cater the needs at home and abroad. However, What Is the Most Stable Bank of Bangladesh?
This blog will investigate the determinants of bank stability and explore who are close competitors for being considered as ‘the most stable banks’ while doing a comprehensive study on why some (local) players emerged victorious in this battleground.
What Constitutes Bank Stability: Top Concerns to Focus
In order to identify most stable bank in Bangladesh, first of all we need the answers those parameters a positive sign banks stabilities as an economic Institute. A bank has a number of factors that determine its resilience and credibility.
Capital Adequacy Ratio
The Capital Adequacy Ratio (CAR) of a bank is one such important measurement to determine whether the capital base and its ability can adequately absorb various risks at sufficient amounts. This benchmark examines how much capital a bank has compared to its risk-weighted assets, guaranteeing the bank can absorb losses. The higher the CAR, the more resilient is a bank to withstand financial crises.
Bangladesh Bank Regulation: Bangladesh bank has a regulation whereby the central banks expects all financial institutions to have at least 10% CAR so that there is ample capital buffers of the Banks.
The Non-Performing Loan (NPL) ratio is also an important metric to understand how well the bank financially. The percentage is a reflection of the loans with defaults or about to default. The NPL ratio is also an indication of efficient risk management and a healthy lending strategy, which are highly important for long-term sustainability.
Banks with low NPL ratios: Banks such as Eastern Bank Limited (EBL) and BRAC Bank have, over the years maintained a very similar trend in their NPL ratios which boosts investor confidence.
Bangladesh Most Stable Banks
Though many banks in Bangladesh are doing fine on stability side, few have performed more than pretty well financially, minimal Non-Performing Loan Ratios and with all things intact even regarding regulatory requirement.
Eastern Bank Limited (EBL)
It is one of the most reliable banks in bangladesh known as Eastern Bank Limited. EBL has had a strong financial base since its establishment in 1992 with high profitability and low non-performing loans.
- Capital Adequacy: EBL enjoys one of the highest Capital Adequacy Ratios in the banking industry, thus it has solid buffer against financial shocks.
- Profitability: EBL has a strong profit margin, profits from corporate banking services and SME & retail.
- Consumer Trust: EBL has been known for providing innovative but customer oriented banking services with reliability and security.
BRAC Bank
This list would be incomplete without the mention of BRAC Bank, one among them most stable banks in Bangladesh. Incorporated in 2001, BRAC Bank has established itself as one of the rapidly expanding local banks focused on small and Medium enterprises (SME) & retail banking.
- Small and medium enterprise focus: BRAC Bank’s intense efforts around small business loans means there is some constant revenue coming in which helps limit its exposure to crisis.
- Low NPL Ratio: The bank maintains a low NPL ratio due to its prudent lending policies and efficient risk management practices.
- Profitability and Growth: The financial soundness of BRAC Bank is demonstrated in its sustained growth in assets, loans, & deposits.
Dutch-Bangla Bank Limited (DBBL)
Even it is one of the safest banks in Bangladesh and providing most advanced service digitally.
Perennial Cash Flow Generation: DBBL has been a pioneer of digital banking and mobile financial services, providing it with early-mover advantage to attain vast number of customers resulting in stable cash flows.
Robust Financial Metrics: One of the strengths of DBBL is its strong financial metrics and it enjoys a healthy Capital Adequacy Ratio (CAR) with low NPLs.
Innovate theme helped the company do well in this volatile landscape: The performance is discussed above under Risk | Since innovate companies tend to have more predictable revenue streams with favourable long-term growth prospects.
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A Comparative Study of the Most Stable Banks in Bangladesh
Well, a lot of factors to be considered when it comes about comparing the most stable banks in Bangladesh. The following is a stability comparison of the top banks.
Financial Metrics Comparison
| Bank Name | Capital Adequacy Ratio (CAR) | Non-Performing Loans (NPL) Ratio | Return on Assets (ROA) | Return on Equity (ROE) | Liquidity Coverage Ratio (LCR) | Credit Rating |
|---|---|---|---|---|---|---|
| Sonali Bank | 10.50% | 5.20% | 0.60% | 8.00% | 120% | BB+ |
| Janata Bank | 11.00% | 6.00% | 0.55% | 7.50% | 110% | BB |
| BRAC Bank | 12.50% | 2.10% | 1.80% | 17.00% | 130% | BBB- |
| Dutch-Bangla Bank | 13.00% | 2.50% | 1.60% | 16.00% | 135% | BBB |
| Islami Bank Bangladesh | 11.80% | 3.00% | 1.20% | 15.50% | 125% | BBB- |
| Prime Bank | 12.00% | 3.20% | 1.40% | 14.50% | 128% | BBB |
| Eastern Bank | 13.50% | 2.00% | 2.00% | 18.00% | 140% | BBB |
| Southeast Bank | 12.25% | 3.50% | 1.50% | 15.00% | 125% | BBB- |
| NCC Bank | 11.75% | 3.80% | 1.30% | 13.50% | 120% | BB+ |
| Dhaka Bank | 11.50% | 4.00% | 1.00% | 12.50% | 118% | BB+ |
An important and touchy subject here is capital adequacy: where EBL comes out top followed by SIBL then finally BDBL which has the lowest CAR (certainly suggesting healthiest balance sheet along with least resilience)
- PLN Ratio: Both EBL & BRAC Bank have excellent PLN ratios showing they effective risk management strategies.
- Profitability: All banks are profitable; however, EBL is ahead on profit margins which once again shows stability of higher growth.
Why the Most Stable Bank in Bangladesh is Eastern?
Out of the best banks in Bangladesh; Eastern Bank Limited (EBL) is considered to be most stable due to some factors given below.
Healthy Financial Performance
Despite challenging conditions in Pakistan, Ebl continues to deliver robust financial performance with healthy growth being reported across assets, loans and deposits. Thanks to its conservative stewardship, it has remained profitable even when the going gets tough economically.
- Low NPL Ratio: EBL has witnessed a robust risk management framework as evidenced by the bank’s low non-performing loan (NPL) ratio To further safeguard against bad loans, something that is of utmost importance for long-term stability; EBL by the book has strict credit assessment procedures.
- High Profit Margins: EBL has higher profit margins relative to its competition, enabling it to re-invest in technology and services which makes their customer experience better while also increasing financial security.
Regulatory Compliance
Bangladesh Bank, the central regulatory body of Bangladesh has its own set of rules which are followed appropriately by EBL. This involves the bank keeping a high Capital Adequacy Ratio (CAR) and meeting liquidity requirements ensuring that the bank is stable in case of financial adversities.
Shariah-compliant Services: EBL also covers a full range of Shariah compliant banking products to cover the need their Islamic banking customers. Such a diversified product portfolio has strengthened its position in the markets and made it more stable.
Customer Satisfaction and Trust
EBL has made a name for itself as one of the most customer-centric banks that offer premium services in several sectors. This has led to a very high confidence level among the customers in terms of trust, be it corporate banking, retail banking or SME services; hence EBL is considered as probably the most secured bank in Bangladesh.
How to Pick the Most Stable Bank in Bangladesh
There are a number of other things to consider if we were to determine that which bank is the most secure in Bangladesh than profit.
Functional Range of Services Available
Stability: Banks which are long-established, such as those with over 30 years of history and successful financial performance have usually become associated with the range services they offer. Eastern Bank Limited(EBL), BRAC Bank offers many of the financial products like;
One of them is following through in our products and building out Retail as well Corporate Banking, addressing the working capital needs of individuals or businesses.
- Digital Banking Service: Allowing ease and secured way of transactions.
- Related: SME and Microfinance Supporting Economic Growth And Financial Inclusion
Technological Innovations
A key driver behind the long term stability of a bank currently is adopting modern technology. In stark contrast, banks like Dutch-Bangla Bank Limited (DBBL), that focus on digital banking have managed to adapt their business model in line with the changing customer needs as well as use technology for operational efficiency and maintain resilient position.
Brand Reputation Impacts Customer Trust
Finally, the confidence level of customers in a bank has an important influence on its stability. Stability: Banks which are customer centric, transparent and have delivered steadily over the years would be relatively stable. Eastern Bank Limited and BRAC Bank have established themselves over time as the most celebrated banks when it comes to customer satisfaction, making them quite stabler in a competitive banking industry.
Why We Considered Eastern Bank Limited (EBL) as the Best Stable Bank in Bangladesh’)], [[]
Conclusion — How EBL became The Most stable bank in Bangladeshi banking Sector?
As per various financial metrics, regulatory compliance, customer satisfaction and technology innovations Eastern Bank Limited (EBL) is the most stable bank in Bangladesh. The bank has a healthy C.A.R, very low NPL ratio and amazing customer trust to build upon its financial performance.
Whether you are an individual looking for a reliable savings account, or whether you want to enhance your business and therefore require support — EBL provides the stable presence that few banks in Bangladesh can compete against.