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BRAC Bank (BRACBANK) investor relations material
BRAC Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Q3 2025 was the strongest quarter to date, with robust growth in revenue, cost management, and profitability across all segments.
Total consolidated assets reached BDT 1,254.8 billion as of 30 September 2025, up from BDT 1,056.7 billion at year-end 2024.
Net profit attributable to equity holders for Jan–Sep 2025 was BDT 12.1 billion, a 39% increase year-over-year, driven by higher interest and investment income.
Diversified business model and resilient teams enabled outperformance despite subdued economic growth.
SME, retail, and digital banking, especially bKash, were key growth engines.
Financial highlights
Consolidated operating income for Jan–Sep 2025 was BDT 49.7 billion, up from BDT 33.3 billion year-over-year.
Deposits grew 33% year-on-year and reached BDT 937.7 billion, up from BDT 777.1 billion at year-end 2024.
Loans and advances increased to BDT 675.7 billion from BDT 623.9 billion at year-end 2024, with SME loans up 20% and retail loans up 29%.
Revenue increased 31% year-on-year; profit after tax up 28%, and group profit after tax up 52% year-on-year, driven by bKash.
Investment income surged to BDT 13.5 billion for Jan–Sep 2025, compared to BDT 5.8 billion in the prior year.
Outlook and guidance
Management highlighted a stable outlook, with strong liquidity, profitability, and capital adequacy trends.
Anticipation of policy rate cuts in H1 2026 and post-election economic recovery expected to boost credit demand.
Stronger growth in loans and deposits projected for Q4, with continued focus on digital adoption and risk management.
No immediate need for capital raising, but equity issuance planned by early 2028 to support growth.
Explain NPL coverage ratio decline to 105%?
Investment income's contribution to profit growth?
Purpose of 2nd subordinated bond issuance?
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Frequently asked questions
BRAC Bank PLC is a Bangladesh-based commercial bank providing a range of financial services to individuals, businesses, and corporate clients. The bank offers retail and SME banking, corporate banking, loans, deposits, digital banking, and remittance services. It operates through a network of branches, ATMs, agent banking, and digital platforms, supporting financial inclusion across urban and rural areas. The company is headquartered in Dhaka, Bangladesh, and its shares are listed on the DSE and CSE.
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