BRAC Bank (BRACBANK) Q1 2026 earnings summary

Executive summary

• FY'25 consolidated revenue rose 33% to BDT 8,536 Cr and PAT rose 57% to BDT 2,251 Cr; Q1'26 revenue increased 27% to BDT 2,426 Cr and PAT rose 43% to BDT 696 Cr.

• Q1'26 growth reflected higher interest and investment income and stronger subsidiary earnings; solo net interest income was nearly flat YoY.

Financial highlights

• Q1'26 consolidated operating income was BDT 24.26 billion, up from BDT 19.28 billion; net interest income rose 22% to BDT 499 Cr.

• Q1'26 investment income reached BDT 1,333 Cr, versus BDT 983 Cr; investment, commission, exchange and brokerage income rose 29% to BDT 1,919 Cr.

• Q1'26 solo revenue rose 29% to BDT 1,634 Cr and PAT increased 42% to BDT 516 Cr; EPS was BDT 2.59 versus BDT 1.83.

• FY'25 solo revenue rose 31% to BDT 5,795 Cr and PAT increased 30% to BDT 1,581 Cr; EPS was BDT 7.94 versus BDT 6.10.

• Q1'26 total operating expenses increased 16% to BDT 1,208 Cr; loan impairment provision rose 66% YoY to BDT 122 Cr on a consolidated basis.

Outlook and guidance

• Wholesale banking took strategic precautions amid macroeconomic conditions and was positioned for stronger quarters ahead.

• Priorities include accelerating service diversion to alternate channels and focusing on relationship-based banking; continued profitability growth and healthy liquidity and capital trends were anticipated.