BRAC Bank (BRACBANK) Q2 2026 earnings summary

Executive summary

• Net profit after tax for the group rose to BDT 11.61 billion for H1 2026, up from BDT 7.09 billion year-over-year, driven by higher net interest and investment income.

• Consolidated earnings per share (EPS) increased to 5.07 from 3.09, and net asset value (NAV) per share rose to 49.38 from 44.84 compared to the previous year.

• Total assets reached BDT 1.45 trillion, with loans and advances at BDT 761.89 billion and deposits at BDT 1.09 trillion as of June 2026.

Financial highlights

• Net interest income for H1 2026 was BDT 10.57 billion, up from BDT 8.17 billion year-over-year.

• Investment income surged to BDT 13.23 billion, and commission, exchange, and brokerage income reached BDT 6.90 billion.

• Operating profit before provisions was BDT 25.20 billion, compared to BDT 17.57 billion in H1 2025.

• Cost-to-income ratio improved to 50% from 52% year-over-year.

• Return on equity (ROE) increased to 21.52% (annualized), and return on assets (ROA) to 1.67%.

Outlook and guidance

• The bank expects continued growth in net interest and investment income, supported by strong deposit mobilization and prudent cost management.

• Management highlights ongoing focus on SME, retail, and digital banking expansion.