BRAC Bank
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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.
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Q4 2025 earnings summary26 Apr, 2026

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.

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