Brac Bank Plc · DSEBD:BRACBANK
Brac Bank — H1 2026 Earnings Presentation
35 slides from Brac Bank's earnings presentation
Slide 1: BRAC Bank PLC. Earnings Disclosure H1'26
BRAC BANK PLC. Earnings Disclosure H1’26
Slide 2: Forward-looking statements and important notice
Dear Viewers, This is a live webcast in our earnings disclosure portal. The link of which has been shared with all relevant stakeholders through press advertisement, website post and Facebook post. We are also live with this presentation on our Facebook page. This presentation and accompanying oral
Slide 3: Contents of Earnings Disclosure: H1'26
Contents of Earnings Disclosure: H1’26 Economic Outlook and Market Update Business Highlights SME Wholesale Retail Distribution Network Risk Management & Sustainable Finance Overview Financial Updates bKash Key Highlights Q&A
Slide 4: Economic Outlook & Market Update
4 Economic Outlook & Market Update
Slide 5: Macro-economic Environment
Macro-economic Environment 5 Macroeconomic Stabilization: Progress amid persistent challenges Current Account & Reserves Bangladesh GDP Growth Outlook Recent Macro Developments o Headline inflation eased to 9.16% in Jun’26 FY25(Jul-May) FY26(Jul-May) WB IMF ADB BD Govt from 9.42% in May’26, supporte
Slide 6: Business Highlights H1'26
>: Business Highlights H1'26 > 6.32: bh Gar, 2B hb @ y
Slide 7: SME Banking
SME BANKING 6.32: bh Gar, 2B hb @ y
Slide 8: SME Banking Highlights
SME Banking Highlights 8 H1’26 Strong deposit growth | Improved asset quality Deposits Assets Trade Vol. BDT 21,359 Cr BDT 35,538 Cr USD 102 Mn Portfolio Portfolio Total Trade +28% YoY▲ | +25% YTD*▲ +14% YoY▲ | +4% YTD*▲ -14% YoY ▼ 45% 1.95% 1.72% USD 11 Mn CASA Mix PAR NPL Export vol. +1.0% YoY ▲ |
Slide 9: Wholesale Banking
WHOLESALE BANKING 6.32: bh Gar, 2B hb @ y
Slide 10: Wholesale Banking Highlights
Wholesale Banking Highlights 10 H1’26 Strategic precaution under macro-economic scenario | Positioned for a stronger quarters ahead Deposits Assets & Investment Trade Vol. BDT 27,762 Cr BDT 23,470 Cr Portfolio** USD 4,416 Mn Portfolio +24% YoY▲ | +7% YTD* ▲ Total Trade vol.*** +1% YoY▲ | -12% YTD*▼
Slide 11: Retail Banking
__ RETAIL BANKING 6.32: bh Gar, 2B hb @ y
Slide 12: Retail Banking Highlights
Retail Banking Highlights 12 H1’26 Strong all-round growth | Improved portfolio yield & resilient asset quality Deposits Assets Cards BDT 50,324 Cr BDT 13,625 Cr BDT 1,723 Cr Portfolio Portfolio Credit Card Portfolio +38% YoY▲ | +36% YTD*▲ +25% YoY▲ | +17% YTD*▲ +14% YoY▲ | +12% YTD*▲ 33% 4.69% 2.67
Slide 13: Distribution Network
DISTRIBUTION NETWORK 6.32: bh Gar, 2B hb @ y
Slide 14: Distribution Network Highlights
Distribution Network Highlights 14 H1’26 Continued sustainable growth through Relationship Banking, Service Excellence & Strong Compliance Governance Business Customer Experience Deposits Net Growth Cost of Deposits (H1 26) Total Service Delivered BDT 9,336 Cr 6.53% 6.97 Mn CASA Mix: 55% - 46 bps in
Slide 15: Risk Management & Sustainable Finance Overview
15 Risk Management & Sustainable Finance Overview
Slide 16: Credit Risk Management
Credit Risk Management 16 Credit Risk on a firmer footing, as stress portfolio remains under control while credit cost stays contained Stressed Portfolio Trend NPL Coverage & Credit Cost Non-performing loans Performing Rescheduled Loans NPL Coverage Credit Cost Pandemic-related Restructured Loans 17
Slide 17: ESG & Sustainable Finance
ESG & Sustainable Finance 17 Strong Growth in Green and Sustainable Financing, Strategic GCF Collaboration, and Green Bond Issuance Portfolio of Green Finance (Against Total Term Loan Portfolio) Sustainable Finance Leadership Q2, 2026 4,592 Cr 10% 91% allocation of social Developed a Green Bond bond
Slide 18: Financial Updates H1'26
>: Financial Updates H1'26 > 6.32: bh Gar, 2B hb @ y
Slide 19: Financial Overview (SOLO)
Financial Overview (SOLO) 19 H1’26 vs. H1’25 Growth momentum remains resilient amid macroeconomic headwinds Income statement (BDT Cr) H1'26 H1'25 Δ Δ, % BDT 129,114 Cr BDT 3,374 Cr Net Interest Income Investment, Commission, Exchange & Brokerage 713 2,645 639 1,923 74 722 12% 38% Balance sheet Size
Slide 20: Financial Overview (CONSO)
Financial Overview (CONSO) 20 H1’26 vs. H1’25 Bank’s growth remained strong, with subsidiaries boosting consolidated PAT Income statement (BDT Cr) H1'26 H1'25 Δ Δ, % Net Interest Income 1,057 817 240 29% Investment, Commission, Exchange & Brokerage 3,933 3,054 879 29% Other Operating Income 17 15 2
Slide 21: BBPLC's share in CONSO PAT- H1'26
BBPLC’s share in CONSO PAT- H1’26 21 H1’26 H1’25 Subsidiary PAT BBPLC Share Subsidiary PAT BBPLC Share BRAC EPL Investments Limited BDT -16 Cr BDT -16 Cr BDT -16 Cr BDT -16 Cr +1% ▲YoY 100% 100% BDT 5 Cr BDT 4 Cr BDT 0.09 Cr BDT 0.08 Cr BRAC EPL Stock Brokerage Limited +4943% ▲YoY 90% 90% BDT -5 Cr
Slide 22: bKash Updates H1'26
>. bKash Updates Z H126 > 6.32: bh Gar, 2B hb @ y
Slide 23: bKash Key Highlights
bKash Key Highlights 23 H1’26 vs. H1’25 Active customers up 11%, transaction volume up 22%, growth in bKash's core engagement is furthering financial inclusion in Bangladesh. Income statement (BDT Cr) H1'26 H1'25 Δ Δ, % Gross revenue 4,172 3,631 541 15% 84 Mn 950 k BDT 1,363 Bn VAT Revenue 480 3,692
Slide 24: Q&A
Q&A @.8 = = FQN Fl te ON OD
Slide 25: Thank You
25 THANK YOU For any queries, please write to us on earningsdisclosure@bracbank.com
Slide 26: Annexure
Annexure 6.32: bh Gar, 2B hb @ y
Slide 27: Balance Sheet – Solo
27 Balance Sheet – Solo BDT Cr Particulars Jun'26 Dec'25 Δ Amt Δ% Jun'25 Δ Amt Δ% Cash and bank balances 7,374 6,111 1,263 21% 4,788 2,586 54% Money at call and short notice 197 - 197 0% - 197 0% Investments 38,481 32,626 5,855 18% 28,606 9,875 35% Loans and advances 76,142 73,066 3,076 4% 64,483 11
Slide 28: Balance Sheet – Consolidated
28 Balance Sheet – Consolidated BDT Cr Particulars Jun'26 Dec'25 Δ Amt Δ% Jun'25 Δ Amt Δ% Cash and bank balances 13,252 10,975 2,277 21% 7,380 5,872 80% Money at call and short notice 197 - 197 0% - 197 0% Investments 48,201 41,938 6,263 15% 38,903 9,298 24% Loans and Advances 76,189 73,141 3,048 4%
Slide 29: P&L – Solo
29 P&L – Solo BDT Cr Particulars H1'26 H1'25 Δ Amt Δ% Net interest income 713 639 74 12% Investment income 2,194 1,534 660 43% Commission, exchange and brokerage 451 389 61 16% Other operating income 16 14 2 12% Total operating income 3,374 2,576 798 31% Staff Cost 827 695 132 19% Other Operating Co
Slide 30: P&L – Consolidated
30 P&L – Consolidated BDT Cr Particulars H1'26 H1'25 Δ Amt Δ% Net interest income 1,057 817 240 29% Investment income 2,656 2,044 612 30% Commission, exchange and brokerage 1,277 1,009 267 26% Other operating income 17 15 2 16% Total operating income 5,007 3,886 1,121 29% Staff Cost 1,208 1,017 191
Slide 31: Customer Deposits (EOP)
Customer Deposits (EOP) BDT ‘000 Cr (10 Bn) BBL SME Retail Corporate YoY Growth 25% 28% 38% 1% 95 50 23 23 76 21 37 19 17 58 26 14 43 12 21 18 34 8 10 6 H1'22 H1'23 H1'24 H1'25 H1'26 H1'22 H1'23 H1'24 H1'25 H1'26 H1'22 H1'23 H1'24 H1'25 H1'26 H1'22 H1'23 H1'24 H1'25 H1'26 Growth driven by all segmen
Slide 32: Segmental Customer Deposits Mix (EOP)
Segmental Customer Deposits Mix (EOP) BDT Cr (10 Mn) SME Retail Corporate H1'26 H1'25 21,359 22% H1'24 16,677 22% 50,324 11,721, 53% 95,153 20% 36,508 76,328 23,470 26,483, 57,511 48% 25% 46% 19,307, 23,144 34% 30% 32
Slide 33: CASA-TD Mix
CASA-TD Mix BDT Cr (10 Mn) CASA TD H1'26 H1'25 H1'24 CASA 58% 42% 59% 42% CASA CASA 55% 41% 45% 45% 41% 33
Slide 34: Loans & Advances (EOP)
Loans & Advances (EOP) BDT ‘000 Cr (10 Bn) As per BB BBL SME Retail Corporate YoY Growth 18% 11% 25% 23% 76 64 56 31 14 31 28 47 24 11 25 21 24 37 8 9 17 8 17 13 H1'22 H1'23 H1'24 H1'25 H1'26 H1'22 H1'23 H1'24 H1'25 H1'26 H1'22 H1'23 H1'24 H1'25 H1'26 H1'22 H1'23 H1'24 H1'25 H1'26 Growth driven by a
Slide 35: Segmental Loans Mix (EOP)
Segmental Loans Mix (EOP) BDT Cr (10 Mn) As per BB. SME Retail Corporate H1'26 H1'25 31,294 41% H1'24 25,479 23,518 40% 31,032 76,142 42% 41% 27,964 64,483 55,935 43% 13,816 23,774 18% 8,643 11,040 43% 15% 17% 35