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BRAC Bank (BRACBANK) investor relations material
BRAC Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Consolidated net profit after tax rose to BDT 22.5 billion in 2025, up from BDT 14.3 billion in 2024, with strong contributions from both the parent and subsidiaries.
Total assets increased to BDT 1,328.1 billion, reflecting robust growth in loans, deposits, and investments.
The audit opinion is unqualified, with emphasis on compliance with Bangladesh Bank regulations and IFRS.
Financial highlights
Consolidated interest income grew 34% year-over-year to BDT 78.6 billion, while net interest income reached BDT 16.0 billion.
Loans and advances expanded to BDT 731.4 billion, up 17% from 2024.
Deposits rose to BDT 990.4 billion, a 27% increase year-over-year.
Earnings per share (EPS) increased to BDT 7.94 from BDT 6.10.
Net asset value (NAV) per share improved to BDT 51.56 from BDT 39.38.
Cost-to-income ratio improved to 52% from 57% in 2024.
Outlook and guidance
Management expects continued growth in SME, retail, and digital banking segments, with a focus on sustainable finance and digital transformation.
The bank is transitioning to IFRS 9 ECL framework, targeting full compliance by 2027.
- 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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