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BRAC Bank
BRAC Bank (BRACBANK) investor relations material
BRAC Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Delivered record performance in Q3 2025, with strong growth across retail, SME, and wholesale banking segments despite a subdued economic environment and policy headwinds.
Total consolidated assets reached BDT 1,254.8 billion as of 30 September 2025, up from BDT 1,056.7 billion at year-end 2024, reflecting robust balance sheet growth.
Net profit attributable to equity holders for Jan–Sep 2025 was BDT 12.1 billion, a 39% increase year-over-year, driven by higher interest and investment income.
Digital transformation and fintech subsidiary bKash contributed significantly to group results.
Earnings per share (EPS) rose to 6.09 for Jan–Sep 2025 from 4.37 in the prior year period.
Financial highlights
Deposits grew 33% year-over-year and 31% over the last nine months, led by SME and retail segments; total deposits reached BDT 937.7 billion.
Loans increased 18% year-over-year, with SME and retail outpacing the market; loans and advances reached BDT 675.7 billion.
Revenue up 31% year-over-year; profit after tax rose 28%, and group profit after tax up 52% year-over-year, driven by bKash.
Consolidated operating income for Jan–Sep 2025 was BDT 49.7 billion, up from BDT 33.3 billion year-over-year.
Cost-to-income ratio improved to 46%; operating expenses up 26% while revenue grew 31%.
Outlook and guidance
Anticipates policy rate cuts and post-election economic recovery in 2026, supporting stronger credit demand.
Expects continued growth in loans and deposits, especially in SME and retail, with digital adoption accelerating.
Management highlighted a stable outlook, with strong liquidity, profitability, and capital adequacy trends.
No immediate need for capital raising; equity issuance planned for early 2028 to support future growth.
The bank expects continued focus on asset quality and digital transformation.
Explain NPL coverage ratio decline to 105%?
Investment income's contribution to profit growth?
Purpose of 2nd subordinated bond issuance?
Capital raising timeline and drivers
NPL outlook post-regulatory reclassification
Digital adoption impact on cost efficiency
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Next BRAC Bank earnings date
Q4 20252 Apr, 2026
BRAC Bank
Next BRAC Bank earnings date
Q4 20252 Apr, 2026
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Frequently asked questions
BRAC Bank PLC is a Bangladesh-based commercial bank providing a range of financial services to individuals, businesses, and corporate clients. The bank offers retail and SME banking, corporate banking, loans, deposits, digital banking, and remittance services. It operates through a network of branches, ATMs, agent banking, and digital platforms, supporting financial inclusion across urban and rural areas. The company is headquartered in Dhaka, Bangladesh, and its shares are listed on the DSE and CSE.
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