Continuing its profit growth over the last five years, Prime Bank has reported a 24.31 per cent year-on-year growth in profit to Tk 9.10 billion, alongside maintaining regulatory compliance that strengthened the company's capital base.
The company's sustained focus on quality credit was one of the key factors behind the continued growth in profitability, according to a press release.
The bank's NPL (non-performing loan) management protocols - including early warning systems, sector-concentration limits, and enhanced due diligence frameworks - have contributed to a credit portfolio that supports healthy provisioning without eroding profitability.
"In an era where several institutions in the sector have faced heightened scrutiny over asset quality, Prime Bank's capital position and provisioning discipline offer a distinct contrast," the release said.
The company reported a net profit of Tk 3.24 billion in the calendar year 2021, which gradually rose to Tk 7.32 billion in 2024.
Apart from sustained profit growth in 2025, the company's board of directors has recommended a 25 per cent cash dividend and a 5 per cent stock dividend, the highest payout in the last six years.
The company says it has emerged as a reference point for reporting one of the highest Capital to Risk-Weighted Assets Ratio (CRAR) levels in the sector amid regulatory scrutiny and structural reforms.
Prime Bank's CRAR stood at 18.07 per cent in 2025.
The central bank mandates a minimum CRAR, including a capital conservation buffer, of 12.5 per cent for scheduled commercial banks.
It said the CRAR surplus of 5.57 percentage points would help the bank absorb credit stress, expand its lending book, and fund strategic growth without diluting shareholder equity or seeking emergency regulatory accommodation.
Such a ratio also assures depositors that the institution holds a financial buffer well above regulatory minimums.
Prime Bank has also built compliance into its operating model rather than treating it as a cost centre.
In 2024, the central bank awarded the bank the prestigious Sustainability Rating 2024.
It was a central bank-issued recognition for institutions demonstrating consistent adherence to green refinancing frameworks, sustainable core banking operations, and responsible corporate governance.
Prime Bank also complied ahead of regulatory timelines with the central bank's directives on digital trade documentation, including the adoption of the Green LC framework, which mandates a transition to electronic LC processing.
The company was among the top institutions to execute a live transaction under this framework.
With total assets of Tk 648.97 billion and a trajectory of 24 per cent profit growth, Prime Bank enters 2026 with both the capital firepower and the regulatory standing to deepen its footprint across corporate, SME, and retail banking segments.
"For regulators, investors, and depositors alike, the message is consistent: Prime Bank is building for durability, not just performance," the release said.
Prime Bank, presently an 'A' category company, was listed with the bourses in 2000.
Its sponsor-directors hold 37.53 per cent shares, while institutions hold 34.70 per cent, foreigners 7.03 per cent, and general investors 20.74 per cent as of April.
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