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Investor Relations14 Oct 2025
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BRAC Bank (BRACBANK) investor relations material
BRAC Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Delivered strong results in H1 2025, with net profit after tax rising to BDT 7.09 billion, up 36% year-over-year, driven by higher interest and investment income and robust growth across all business segments.
Consolidated total assets reached BDT 1.17 trillion as of June 2025, up from BDT 1.06 trillion at year-end 2024.
Customer base expanded by 134,000 in six months, led by retail and SME segments.
Loans and advances grew to BDT 645.3 billion, with SME and retail segments showing robust expansion.
Shareholders approved a 25% dividend (12.5% cash, 12.5% stock) for 2024, distributed in June 2025.
Financial highlights
Balance sheet grew 23% annualized in six months, 26% year-over-year, driven by deposits.
Deposits up 33% year-over-year, with SME, retail, and corporate segments growing 42%, 38%, and 20% respectively.
Consolidated operating income for H1 2025 was BDT 38.86 billion, up from BDT 30.06 billion year-over-year.
Revenue grew 25% year-over-year; consolidated profit after tax reached 906 crore, up 53%.
Net interest margin stable, cost-to-income ratio around 48%, and profit after tax up 20% year-over-year to 620 crore for H1.
Outlook and guidance
Expecting continued export and dividend growth, keeping current account in surplus and inflation declining.
Anticipate policy rate cuts once inflation drops below 7%, with GDP growth forecasted at 5.1–5.5% in 2026.
Management reports a stable outlook, with strong liquidity, asset quality, and capital adequacy maintained.
Credit ratings remain stable, with AAA (local) and B+/B2 (international) as of June 2025.
Positive outlook for second half of 2025, with focus on deposit growth, asset quality, and digital adoption.
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Q3 202510 Nov, 2025
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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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