BRAC Bank (BRACBANK) Q4 2025 earnings summary

Executive summary

• FY25 consolidated revenue rose 33% YoY to BDT 8,536 Cr and PAT increased 57% to BDT 2,251 Cr; Q1'26 revenue grew 27% to BDT 2,426 Cr and PAT rose 43% to BDT 696 Cr.

• Growth was supported by investment and fee income, deposit expansion across segments, and higher subsidiary earnings; consolidated balance sheet size reached BDT 138,991 Cr in Q1'26, up 19% YoY.

Financial highlights

• FY'25 consolidated operating income increased 33% to BDT 8,536 Cr; investment income rose 66% to BDT 4,778 Cr, while net interest income declined 3% to BDT 1,603 Cr.

• FY'25 consolidated PAT was BDT 2,251 Cr, up 57%; EPS rose 48% to BDT 9.12. Q1'26 PAT reached BDT 696 Cr, up 43%, with EPS of BDT 2.90, up 44%.

• Solo FY'25 PAT grew 30% to BDT 1,581 Cr; Q1'26 solo PAT rose 42% to BDT 516 Cr. Q1'26 solo revenue increased 29% to BDT 1,634 Cr.

• Deposits reached BDT 99,036 Cr consolidated at Dec'25, up 27% YoY; Q1'26 deposits were BDT 103,344 Cr, up 18% YoY, while loans were BDT 71,710 Cr, up 15%.

Outlook and guidance

• Wholesale Banking described Q1'26 as a strategic precaution amid macroeconomic conditions and said it was positioned for stronger quarters ahead.

• Forward-looking statements are subject to known and unknown risks, actual results may differ materially, and the presentation disclaims an obligation to update such statements.