BRAC Bank (BRACBANK) Q4 2025 earnings summary

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.