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BRAC Bank (BRACBANK) investor relations material
BRAC Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net profit after tax for the group rose to BDT 11.61 billion for H1 2026, up from BDT 7.09 billion year-over-year, driven by higher net interest and investment income.
Consolidated earnings per share (EPS) increased to 5.07 from 3.09, and net asset value (NAV) per share rose to 49.38 from 44.84 compared to the previous year.
Total assets reached BDT 1.45 trillion, with loans and advances at BDT 761.89 billion and deposits at BDT 1.09 trillion as of June 2026.
Financial highlights
Net interest income for H1 2026 was BDT 10.57 billion, up from BDT 8.17 billion year-over-year.
Investment income surged to BDT 13.23 billion, and commission, exchange, and brokerage income reached BDT 6.90 billion.
Operating profit before provisions was BDT 25.20 billion, compared to BDT 17.57 billion in H1 2025.
Cost-to-income ratio improved to 50% from 52% year-over-year.
Return on equity (ROE) increased to 21.52% (annualized), and return on assets (ROA) to 1.67%.
Outlook and guidance
The bank expects continued growth in net interest and investment income, supported by strong deposit mobilization and prudent cost management.
Management highlights ongoing focus on SME, retail, and digital banking expansion.
- Net profit surged 43% year-over-year, driven by higher interest and investment income.BRACBANK
Q1 202615 May 2026 - Net profit surged 57% to BDT 22.5B, with strong growth in loans, deposits, and capital ratios.BRACBANK
Q4 202527 Apr 2026 - Net profit up 39% year-over-year, with record growth in deposits, loans, and digital banking.BRACBANK
Q3 20253 Feb 2026 - Net profit up 74% YoY, deposits up 34%, bKash profit up 148%, and asset quality improved.BRACBANK
Q3 202415 Jan 2026 - Net profit up 36% with strong deposit growth, digital gains, and resilient asset quality.BRACBANK
Q2 20256 Jan 2026 - Net profit surged 73% to BDT 14.32B, with strong growth in deposits, loans, and digital expansion.BRACBANK
Q4 202421 Nov 2025 - Net profit surged 68% year-over-year, with robust growth in assets, deposits, and earnings.BRACBANK
Q2 202413 Jun 2025 - Net profit surged 47% year-over-year, with robust investment income and strong capital ratios.BRACBANK
Q1 20256 Jun 2025
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