BRAC Bank (BRACBANK) investor relations material

Executive summary

• 9M 2026 standalone PAT rose 50% YoY to BDT 1,584 Cr; consolidated PAT rose 38% to BDT 2,121 Cr, including BDT 1,763 Cr attributable profit; consolidated EPS was BDT 7.70.

• At 30 Sep 2026, consolidated assets were BDT 1.518t, deposits BDT 1.143t and loans and advances BDT 779.9b; deposits crossed BDT 1 trillion for the first time.

• Recognized among Forbes’ top 500 performing banks globally and ranked first in Bangladesh’s banking industry for a second consecutive year, per Bonik Barta.

Financial highlights

• 9M standalone revenue reached BDT 5,317 Cr, up 29% YoY; consolidated operating income was BDT 7,726 Cr versus BDT 6,136 Cr, and operating profit was BDT 3,904 Cr versus BDT 2,870 Cr.

• Consolidated net interest income rose 42% YoY to BDT 1,655 Cr; standalone net interest income was BDT 1,130 Cr, up 28%.

• Standalone operating expenses rose 14% to BDT 2,181 Cr, while consolidated expenses increased 17% to BDT 3,822 Cr; loan impairment was BDT 523 Cr solo and BDT 539 Cr consolidated.

• Q3 consolidated attributable net profit was BDT 602 Cr versus BDT 503 Cr YoY; EPS was BDT 2.63 versus BDT 2.20.

Outlook and guidance

• Management expects full-year 2026 balance-sheet growth near 20% and anticipates a strong year-end finish.

• SME priorities include growing medium-business assets, deposits and trade, reviving export-led trade, and protecting asset quality and funding efficiency.

• Management expects credit growth to redirect funding toward lending and support returns; if lending is unchanged, funding costs are expected to be optimized to offset lower government yields.

• bKash expects revenue to keep increasing while operating expenses grow more slowly; Omnichannel is expected to show signs of growth next quarter.