Trust Bank PLC reported a marginal decline in net profit for the April–June quarter of 2025, with earnings impacted by falling interest income despite a sharp rise in investment returns.

The private commercial bank posted a consolidated net profit of Tk 106 crore in the second quarter, down by about 2% year-on-year, according to its unaudited financial disclosures.

Earnings per share (EPS) for the quarter stood at Tk 1.15, compared to Tk 1.17 during the same period in 2024.

The bank faced considerable pressure on its net interest income, which fell significantly by 166% in the first half of 2025.

The decline was primarily attributed to increased interest expenses on deposits and borrowings, as the banking sector continues to navigate a tight liquidity environment and rising cost of funds.

In contrast, Trust Bank’s investment income surged by 313% year-on-year to Tk 697.65 crore during the first six months of 2025. The bank attributed this growth to a strategic increase in exposure to government securities, which offered more stable returns amid volatile market conditions.

Operationally, the bank saw improved cash flows. Its consolidated net operating cash flow per share rose to Tk 28.41 for the January–June period, up from Tk 22.35 in the same period last year. The improvement was driven primarily by increased customer deposits.

As of 30 June 2025, sponsor-directors held 60% of the bank’s shares, while institutional investors owned 22.27% and general investors held the remaining 17.73%, according to data from the Dhaka Stock Exchange.