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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
Q3 2025 marked the strongest quarter to date, with consistent growth in revenue, cost management, and profitability, despite a cautious economic environment and subdued national growth.
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.
Diversified business model and resilient teams enabled robust performance across retail, SME, wholesale, and digital banking segments.
Anticipation of post-election economic recovery and policy easing in 2026 is expected to further boost credit demand and growth.
Financial highlights
Revenue grew 31% year-on-year, with interest income up 28% and non-funded income (mainly trade) up 13-14%.
Consolidated operating income for Jan–Sep 2025 was BDT 49.7 billion, up from BDT 33.3 billion year-over-year.
Deposit base expanded 33% year-on-year and 31% over nine months, with total deposits reaching BDT 937.7 billion.
Loan portfolio grew 18% year-on-year, with loans and advances at BDT 675.7 billion as of September 2025.
Profit after tax increased by 28% year-on-year; group profit after tax rose 52%, driven by strong subsidiary performance, especially BKash.
Outlook and guidance
Focus remains on sustaining deposit growth, optimizing low-cost funds, maintaining asset quality, and accelerating digital adoption.
Expectation of stronger loan and deposit growth in Q4, especially in SME and retail segments.
Management highlighted a stable outlook, with strong liquidity, profitability, and capital adequacy trends.
The bank expects continued growth in deposits and a focus on asset quality and digital transformation.
Anticipate post-election stability and policy easing to catalyze credit demand and economic recovery in 2026.
Explain NPL coverage ratio decline to 105%?
Investment income's contribution to profit growth?
Purpose of 2nd subordinated bond issuance?
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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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