National Bank

What National Bank does

National Bank PLC is a Bangladeshi commercial bank headquartered in Dhaka, founded in 1983 and listed on the Dhaka Stock Exchange under the ticker NBL. The bank operates one of the larger private-sector branch networks in Bangladesh, with over 221 branches and 65 sub-branches spanning all eight divisions of the country, supported by 55 ATMs and digital channels including iBanking (web-based internet banking) and NBL Apps (mobile banking on iOS and Android). It serves four primary customer segments: retail consumers (deposits, credit cards, personal loans, housing/auto loans), MSMEs and agricultural borrowers (priority sector lending including women entrepreneurs and weavers), corporate clients (working capital, trade finance, project financing, offshore banking, syndication), and foreign remittance customers through wholly-owned overseas exchange houses in Malaysia, Singapore, Maldives, Greece, and Oman.

The bank's product architecture covers a full-stack retail and commercial banking suite: 18+ retail deposit schemes (including the Millionaire Deposit Scheme, Kotipoti Deposit Scheme, and Probashi Shwapno for overseas Bangladeshis), 10 retail loan products (housing, auto, education, professional), MSME priority-sector loans, corporate banking products (OBU, syndication, lease finance), agricultural credit, and remittance distribution through NBL Qpay App and 36 overseas branches. Ancillary subsidiaries include NBL Securities Limited (brokerage) and NBL Capital and Equity Management Limited (investment management). The bank's revenue model is classic commercial banking: net interest income from the loan/deposit book, fee income from remittances, cards, trade finance, and capital market activities. The bank is regulated by Bangladesh Bank and has been subject to elevated regulatory oversight following the 2024 board observer appointment.

The bank is currently navigating governance transitions, including the appointment of a new chairman (Prof Melita Mehjabeen) under Bangladesh Bank oversight, and is pursuing digital remittance modernization through its December 2025 partnership with dLocal Limited. While the bank has a substantial physical footprint and diversified product set, the absence of disclosed AI/ML capabilities and the reliance on traditional banking channels suggest a balance-sheet-driven institution rather than a technology-forward one.

Name

National Bank

Legal name

National Bank PLC

Website

https://nblbd.com

Company type

Public

Founded year

1983

Operating status

Operating

Headcount range

501–1,000 employees

Short description

National Bank PLC is a Bangladeshi commercial bank founded in 1983, listed on the Dhaka Stock Exchange (NBL), serving retail, MSME, agricultural, and corporate clients through 221+ branches domestically and 36 overseas remittance branches across Asia, Europe, and the Middle East.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Retail banking services
• Corporate banking
• Foreign remittance
• MSME lending
• Digital banking

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Distribution channels6 records

Core offering

National Bank PLC is a Bangladesh-based commercial bank offering retail and corporate banking products including deposit schemes, consumer and MSME/agricultural loans, credit and debit cards, foreign remittance services, and digital banking through iBanking, NBL Apps, and NBL Qpay App. It serves individual consumers, businesses, and overseas remittance customers through a national branch network and international exchange-house and subsidiary channels.

Product overview

National Bank PLC is a private commercial bank headquartered in Bangladesh offering a comprehensive suite of banking products and services. The bank operates a platform-plus-channel architecture comprising core retail and corporate banking products, including retail deposits (savings, current, and term deposit schemes), retail loans (personal, education, auto, housing), credit and debit cards, MSME loans under priority sector lending, corporate banking services (trade finance, project financing, offshore banking), and agriculture/rural credit. The bank extends its reach through digital channels (iBanking and NBL Apps mobile application) and a network of over 221 branches, 55 ATMs, and 65 sub-branches across Bangladesh. Internationally, the bank maintains subsidiaries for foreign remittance services in Malaysia, Singapore, Maldives, Greece, and Oman with 36 overseas branches total. The bank also operates subsidiaries for capital management and securities services.

Differentiator

Problem solved

Functional benefit

Brands

• NBL Apps: Mobile banking application for digital banking services
• NBL Qpay App

Products and services

• Retail Deposit and Savings Products
• Consumer Loans
• Credit Cards
• Debit Cards
• Corporate Banking Services
• MSME and Agricultural Loans
• Foreign Remittance Services
• iBanking
• NBL Apps
• NBL Qpay App

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• dLocal LimitedstrategicChannel Partner/ Reseller/ Distributor · 9 December 2025National Bank PLC signed a remittance service agreement with Malta-based electronic money institution dLocal Limited at its head office in Dhaka. The strategic partnership aims to deliver faster, secure, and more efficient cross-border remittance solutions for millions of customers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Dutch-Bangla Bank: Dutch-Bangla Bank is a leading private commercial bank in Bangladesh with a strong retail and SME focus, extensive ATM network, and pioneering mobile/agent banking franchise. It directly competes with National Bank PLC across retail deposits, MSME lending, and digital banking services.
• BRAC Bank: BRAC Bank is a major Bangladeshi private commercial bank with leading positions in SME, retail, and corporate banking plus a fast-growing digital wallet (Aster). It competes head-to-head with National Bank PLC in MSME priority-sector lending, retail deposits, and credit cards.
• Eastern Bank PLC: Eastern Bank PLC (EBL) is a Bangladeshi private commercial bank offering retail, corporate, and treasury services with a strong digital platform (SkyBank). It is comparable to National Bank PLC in full-service private commercial banking and competes in similar urban retail and corporate segments.
• Mutual Trust Bank: Mutual Trust Bank is a Bangladeshi private commercial bank offering retail, SME, and corporate banking products. It competes directly with National Bank PLC in retail deposits, MSME lending, and consumer credit across Bangladesh.
• The City Bank: The City Bank is a Bangladeshi private commercial bank with a focus on retail, SME, and corporate banking and a significant credit card franchise. It is comparable to National Bank PLC across the full product spectrum and overlaps in branch coverage and customer segments.
• Prime Bank (Bangladesh): Prime Bank is a Bangladeshi private commercial bank offering retail, corporate, and trade finance services. It is comparable to National Bank PLC in offering a similar private commercial bank product set targeting retail and corporate clients.
• Pubali Bank: Pubali Bank is a major Bangladeshi private commercial bank with extensive retail and corporate banking operations. It directly competes with National Bank PLC in retail deposits, MSME lending, and consumer credit products.
• United Commercial Bank (Bangladesh): United Commercial Bank (UCB) is a Bangladeshi private commercial bank offering retail, SME, and corporate banking services with a growing digital presence. It is comparable to National Bank PLC across the full private commercial banking product spectrum.

Broad incumbents

• Islami Bank Bangladesh: Islami Bank Bangladesh is one of the largest banks in the country, operating under Shariah principles with a broad retail and corporate franchise. As a larger incumbent with nationwide reach, it competes with National Bank PLC across retail deposits and priority-sector lending.
• Sonali Bank: Sonali Bank is the largest state-owned commercial bank in Bangladesh with the widest branch network. As a broad incumbent, it competes with National Bank PLC in retail deposits, MSME/agriculture priority-sector lending, and remittance services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NationalBankLimited
• Xx.com/nationalbankli1
• LinkedInlinkedin.com/company/national-bank-limited-bangladesh

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries7 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Bank