BRAC Bank (BRACBANK) Q2 2026 earnings summary

Executive summary

• H1'26 consolidated revenue rose 29% YoY to BDT 5,007 Cr; net profit reached BDT 11.61 billion, up from BDT 7.09 billion a year earlier.

• Solo PAT grew 67% YoY to BDT 1,033 Cr; solo balance sheet size rose 25% to BDT 129,114 Cr.

• Consolidated assets reached BDT 145,270 Cr, with loans and advances of BDT 76,189 Cr and deposits of BDT 109,491 Cr.

Financial highlights

• Consolidated net interest income grew 29% YoY to BDT 1,057 Cr; investment income was BDT 13.23 billion, and commission, exchange and brokerage income was BDT 6.90 billion.

• Solo operating income increased 31% YoY to BDT 3,374 Cr; net interest income rose 12% to BDT 713 Cr and investment, commission, exchange and brokerage income rose 38% to BDT 2,645 Cr.

• Consolidated operating expenses rose 17% to BDT 2,484 Cr, while loan impairment fell 21% to BDT 276 Cr; operating profit before provisions was BDT 25.20 billion.

• Consolidated cost-to-income ratio improved to 50%; ROA was 1.67% and annualized ROE was 21.52%.

Outlook and guidance

• Wholesale banking described a cautious strategic stance amid the macroeconomic scenario and said it was positioned for stronger quarters ahead.

• Continued growth in net interest and investment income is expected, supported by deposit mobilization and cost management; focus remains on SME, retail and digital banking expansion.