Brac Bank Plc · DSEBD:BRACBANK
Brac Bank — FY2025 & Q1 2026 Earnings Presentation
53 slides from Brac Bank's earnings presentation, May 2026
Slide 1: BRAC Bank PLC Earnings Disclosure FY'25 & Q1'26
BRAC BANK PLC. Earnings Disclosure FY’25 & Q1’26
Slide 2: Important notice and forward-looking statements
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: FY'25 & Q1'26
Contents of Earnings Disclosure: FY’25 & Q1’26 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 Tight policies, tough trade-offs: Subdued growth amid Macro adjustments Current Account & Reserves Bangladesh GDP Growth Outlook Recent Macro Developments FY25 (Jul-Feb) FY26 (Jul-Feb) BD Govt. ADB IMF WB o Inflation decreased to 8.71% in Mar’26. Iran-US conflict poses u
Slide 6: Business Highlights FY'25 & Q1'26
6 Business Highlights FY’25 & Q1’26
Slide 7: SME Banking
7 SME BANKING
Slide 8: SME Banking Highlights FY'25
SME Banking Highlights 8 FY’25 Strong growth in customer number continues | Business growth through process digitization Major Outcomes Key Drivers BDT 34,911 Cr BDT 18,987 Cr eLAP – Processing Assets Deposits Loans Digitally SME accounts opened Scorecard-based digitally Lending +14% YoY ▲ +33% YoY
Slide 9: SME Banking Highlights Q1'26
SME Banking Highlights 9 Q1’26 Strong deposit growth | Improved asset quality Deposits Assets Trade Vol. BDT 19,548 Cr BDT 33,910 Cr USD 46 Mn Portfolio Portfolio Assets +26% YoY▲ | 12% YTD*▲ +10% YoY▲ | (11%) YTD*▼ (34%) YoY ▼ 43% 2.11% 1.86% USD 5 Mn CASA Mix PAR NPL Export vol. (0.8%) YoY▼ | 2.9%
Slide 10: Wholesale Banking
WHOLESALE BANKING Oh INN A ws ON OD
Slide 11: Wholesale Banking Highlights FY'25
Wholesale Banking Highlights 11 FY’25 Strong performance driven by unwavering trust and leading conveniences Major Outcomes Key Drivers BDT 25,591 Cr BDT 24,970 Cr Assets Deposits +16% YoY ▲ +20% YoY ▲ Industry-leading Growth in strategic Added client segments conveniences in 10,068 2.17% USD 7,041
Slide 12: Wholesale Banking Highlights Q1'26
Wholesale Banking Highlights 12 Q1’26 Strategic precaution under macro-economic scenario | Positioned for a stronger quarters ahead Deposits Assets Trade Vol. BDT 24,976 Cr BDT 24,247 Cr Portfolio USD 1,790 Mn Portfolio +17% YoY▲ | -2% YTD*▼ Total Trade vol.** +12% YoY▲ | -3% YTD*▼ +3% YoY▲ 3.27% 74
Slide 13: Retail Banking
13 RETAIL BANKING
Slide 14: Retail Banking Highlights FY'25
Retail Banking Highlights 14 FY’25 Sustained growth in customer deposits & lending Major Outcomes Key Drivers BDT 12,563 Cr BDT 42,632 Cr Assets Deposits Channel Contribution Robust Collection Digital Onboarding: +29% YoY▲ +34% YoY▲ DN- 92% in deposit NPL <3% & BDT 17 Cr+ 30k+ loans & 200k+ growth &
Slide 15: Retail Banking Highlights Q1'26
Retail Banking Highlights 15 Q1’26 Strong all-round growth | Improved portfolio yield & resilient asset quality Deposits Assets Cards BDT 46,044 Cr BDT 12,774 Cr BDT 1,660 Cr Portfolio Portfolio Credit Card Portfolio +33% YoY▲ | +32% YTD*▲ +25% YoY▲ | 7% YTD*▲ +14% YoY▲ | +8% YTD*▲ 32% 4.71% 2.92% B
Slide 16: Distribution Network
DISTRIBUTION NETWORK Oh INN A ws ON OD
Slide 17: Distribution Network Highlights FY'25
Distribution Network Highlights 17 FY’25 Driving sustainable growth through Relationship Banking, Service Excellence & Strong Compliance Governance Business Customer Experience Deposits Net Growth CASA: TD Mix Total Service Delivered Network Expansion BDT 16,930 Cr (Marginal Portfolio) 14 Mn 5 Branc
Slide 18: Distribution Network Highlights Q1'26
Distribution Network Highlights 18 Q1’26 Continued sustainable growth through Relationship Banking, Service Excellence & Strong Compliance Governance Business Customer Experience Deposits Net Growth Cost of Deposits (Q1 26) Total Service Delivered New Relationship BDT 4,120 Cr 6.66% 0.34 Mn 66,500 C
Slide 19: Risk Management & Sustainable Finance Overview
19 Risk Management & Sustainable Finance Overview
Slide 20: Credit Risk Management
Credit Risk Management 20 Credit Risk on a firmer footing, as stress portfolio remains under control while credit cost stays contained Stressed Portfolio Trend NPL Coverage & Credit Cost Pandemic-related Restructured Loans Performing Rescheduled Loans NPL Coverage Credit Cost Non-performing loans 17
Slide 21: CRM – Highlights 2025
CRM – Highlights 2025 21 Tech-led risk discipline continues to sharpen portfolio quality and underwriting efficiency NPL Vintage (last 8 years) Highlights Disbursement NPL NPL as % of Disbursement Scorecard 2025 69,547 105 0.15% 27% of Small loan and 84% Digital Loan STP of PL processed applying 202
Slide 22: ESG & Sustainable Finance
ESG & Sustainable Finance 22 Strong Growth in Green and Sustainable Financing, Strategic GCF Collaboration, and Upcoming Green Bond Issuance Portfolio of Green Finance (Against Total Portfolio) Recognition Honored with recognition Awarded as one of the top from Bloomberg as the top sustainable banks
Slide 23: Financial Updates FY'25 & Q1'26
23 Financial Updates FY’25 & Q1’26
Slide 24: Financial Overview (SOLO) FY'25 vs. FY'24
Financial Overview (SOLO) 24 FY’25 vs. FY’24 Strong growth, improved efficiency & asset quality driving higher returns Income statement (BDT Cr) FY'25 FY'24 Δ Δ, % BDT 117,967 Cr BDT 5,795 Cr Net Interest Income 1,178 1,346 (168) -12% Investment, Commission, Exchange & Brokerage 4,589 3,056 1,532 50
Slide 25: Financial Overview (SOLO) Q1'26 vs. Q1'25
Financial Overview (SOLO) 25 Q1’26 vs. Q1’25 Growth momentum continues amidst macroeconomic challenges Income statement (BDT Cr) Q1'26 Q1'25 Δ Δ, % BDT 122,231 Cr BDT 1,634 Cr Net Interest Income 328 326 1 0% Investment, Commission, Exchange & Brokerage 1,299 934 365 39% Balance sheet Size Revenue O
Slide 26: Financial Overview (CONSO) FY'25 vs. FY'24
Financial Overview (CONSO) 26 FY’25 vs. FY’24 Strong bank-level growth, with subsidiaries further strengthening consolidated returns Income statement (BDT Cr) FY'25 FY'24 Δ Δ, % Net Interest Income 1,603 1,645 (42) -3% Investment, Commission, Exchange & Brokerage 6,902 4,762 2,139 45% BDT 132,811 Cr
Slide 27: Financial Overview (CONSO) Q1'26 vs. Q1'25
Financial Overview (CONSO) 27 Q1’26 vs. Q1’25 Bank’s growth continued, while subsidiaries added further momentum to consolidated PAT Income statement (BDT Cr) Q1'26 Q1'25 Δ Δ, % Net Interest Income 499 410 88 22% Investment, Commission, Exchange & Brokerage 1,919 1,486 433 29% BDT 138,991 Cr BDT 2,4
Slide 28: BBPLC's share in CONSO PAT-FY'25
BBPLC’s share in CONSO PAT-FY’25 28 FY’25 FY’24 Subsidiary PAT BBPLC Share Subsidiary PAT BBPLC Share BRAC EPL Investments Limited BDT 2 Cr BDT 2 Cr BDT -58 Cr BDT -58 Cr +103% ▲YoY 100% 100% BDT 6 Cr BDT 5.7 Cr BDT -4 Cr BDT -3.6 Cr BRAC EPL Stock Brokerage Limited +257% ▲YoY 90% 90% BDT -15 Cr BDT
Slide 29: BBPLC's share in CONSO PAT-Q1'26
BBPLC’s share in CONSO PAT-Q1’26 29 Q1’26 Q1’25 Subsidiary PAT BBPLC Share Subsidiary PAT BBPLC Share BRAC EPL Investments Limited BDT -1 Cr BDT -1 Cr BDT -4 Cr BDT -4 Cr +87% ▲YoY 100% 100% BDT 0.7 Cr BDT 0.6 Cr BDT -0.04 Cr BDT -0.037 Cr BRAC EPL Stock Brokerage Limited +1552% ▲YoY 90% 90% BDT -2
Slide 30: bKash Updates FY'25 & Q1'26
30 bKash Updates FY’25 & Q1’26
Slide 31: bKash Key Highlights FY'25 vs. FY'24
bKash Key Highlights 31 FY’25 vs. FY’24 Years of patient capital pays off — bKash delivers record Tk 661 crore profit in FY’25. Income statement (BDT Cr) FY'25 FY'24 Δ Δ, % Gross revenue 7,424 5,729 1,694 30% 82 Mn 900 k BDT 1,164 Bn VAT Revenue 858 6,566 671 5,058 187 1,507 28% 30% Total Customers
Slide 32: bKash Key Highlights Q1'26 vs. Q1'25
bKash Key Highlights 32 Q1’26 vs. Q1’25 Q1’26: profit up 40%, revenue up 10% — bKash's profitability is now outpacing its own growth. Income statement (BDT Cr) Q1'26 Q1'25 Δ Δ, % Gross revenue 2,038 1,859 179 10% 83 Mn 898 k BDT 1,341 Bn VAT Revenue 236 1,802 222 1,637 13 165 6% 10% Total Customers
Slide 33: Q&A
Q&A exe: 5 Os BB Oy
Slide 34: Thank You
34 THANK YOU For any queries, please write to us on earningsdisclosure@bracbank.com
Slide 35: Annexure
Annexure Oh INN A ws ON OD
Slide 36: Balance Sheet – Solo
36 Balance Sheet – Solo BDT Cr Particulars Dec'25 Dec'24 Δ Amt Δ% Dec'23 Δ Amt Δ% Cash and bank balances 6,111 5,152 959 19% 4,630 1,480 32% Money at call and short notice - 75 (75) -100% 300 (300) -100% Investments 32,626 20,435 12,190 60% 11,566 21,060 182% Loans and advances 73,066 62,337 10,729
Slide 37: Balance Sheet – Solo
37 Balance Sheet – Solo BDT Cr Particulars Mar'26 Dec'25 Δ Amt Δ% Mar'25 Δ Amt Δ% Cash and bank balances 8,039 6,111 1,928 32% 7,810 229 3% Money at call and short notice 184 - 184 0% 183 1 1% Investments 35,974 32,626 3,348 10% 22,930 13,044 57% Loans and advances 71,660 73,066 (1,406) -2% 62,442 9
Slide 38: P&L – Solo
38 P&L – Solo BDT Cr Particulars FY'25 FY'24 Δ Amt Δ% Net interest income 1,178 1,346 (168) -13% Investment income 3,794 2,126 1,667 78% Commission, exchange and brokerage 795 930 (135) -14% Other operating income 28 23 6 24% Total operating income 5,795 4,425 1,370 31% Staff Cost 1,484 1,199 285 24
Slide 39: P&L – Solo
39 P&L – Solo BDT Cr Particulars Q1'26 Q1'25 Δ Amt Δ% Net interest income 328 326 1 0% Investment income 1,105 733 372 51% Commission, exchange and brokerage 193 201 (8) -4% Other operating income 8 7 1 15% Total operating income 1,634 1,267 367 29% Staff Cost 391 331 61 18% Other Operating Cost 291
Slide 40: Balance Sheet – Consolidated
40 Balance Sheet – Consolidated BDT Cr Particulars Dec'25 Dec'24 Δ Amt Δ% Dec'23 Δ Amt Δ% Cash and bank balances 10,975 7,812 3,163 40% 7,450 3,526 47% Money at call and short notice - 75 (75) -100% 300 (300) -100% Investments 41,938 29,796 12,142 41% 19,114 22,823 119% Loans and Advances 73,141 62,
Slide 41: Balance Sheet – Consolidated
41 Balance Sheet – Consolidated BDT Cr Particulars Mar'26 Dec'25 Δ Amt Δ% Mar'25 Δ Amt Δ% Cash and bank balances 14,763 10,975 3,787 35% 13,571 1,192 9% Money at call and short notice 184 - 184 0% 183 1 1% Investments 44,965 41,938 3,027 7% 33,661 11,304 34% Loans and Advances 71,710 73,141 (1,431)
Slide 42: P&L – Consolidated
42 P&L – Consolidated BDT Cr Particulars FY'25 FY'24 Δ Amt Δ% Net interest income 1,603 1,645 (42) -3% Investment income 4,778 2,881 1,897 66% Commission, exchange and brokerage 2,124 1,881 243 13% Other operating income 31 25 6 22% Total operating income 8,536 6,433 2,103 33% Staff Cost 2,127 1,741
Slide 43: P&L – Consolidated
43 P&L – Consolidated BDT Cr Particulars Q1'26 Q1'25 Δ Amt Δ% Net interest income 499 410 88 22% Investment income 1,333 983 350 36% Commission, exchange and brokerage 587 503 84 17% Other operating income 8 7 1 22% Total operating income 2,426 1,903 523 27% Staff Cost 585 481 104 22% Other Operatin
Slide 44: Customer Deposits (EOP)
Customer Deposits (EOP) BDT ‘000 Cr (10 Bn) BBL SME Retail Corporate YoY Growth 30% 33% 34% 20% 43 19 87 32 25 67 14 21 24 49 19 16 9 16 38 7 12 30 6 8 FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 Growth driven by all segment
Slide 45: Customer Deposits (EOP)
Customer Deposits (EOP) BDT ‘000 Cr (10 Bn) BBL SME Retail Corporate YoY Growth 25% 26% 33% 12% 46 90 20 35 72 24 15 22 25 53 17 11 20 39 17 32 7 12 6 10 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Growth driven by all segme
Slide 46: Segmental Customer Deposits Mix (EOP)
Segmental Customer Deposits Mix (EOP) BDT Cr (10 Mn) SME Retail Corporate FY'25 18,987 FY'24 22% FY'23 14,289 21% 9,315, 42,632 86,589 19% 49% 31,846 66,857 24,970 23,509, 49,132 48% 29% 48% 20,722 16,308, 33% 31% 46
Slide 47: Segmental Customer Deposits Mix (EOP) Q1'26
Segmental Customer Deposits Mix (EOP) BDT Cr (10 Mn) SME Retail Corporate Q1'26 Q1'25 19,548 22% Q1'24 15,496 22% 46,044 10,589, 89,839 20% 51% 34,703 71,859 24,247 24,912, 52,939 48% 27% 47% 17,438, 21,660 33% 30% 47
Slide 48: CASA-TD Mix
CASA-TD Mix BDT Cr (10 Mn) CASA TD FY'25 FY'24 FY'23 CASA 59% 41% 58% 41% CASA CASA 53% 42% 47% 47% 42% 48
Slide 49: CASA-TD Mix Q1'26
CASA-TD Mix BDT Cr (10 Mn) CASA TD Q1'26 Q1'25 Q1'24 CASA 59% 41% 59% 41% CASA CASA 54% 41% 46% 46% 41% 49
Slide 50: Loans & Advances (EOP)
Loans & Advances (EOP) BDT ‘000 Cr (10 Bn) As per BB BBL SME Retail Corporate YoY Growth 17% 18% 30% 12% 73 31 30 62 26 27 23 13 52 19 10 20 41 8 15 8 7 32 15 10 FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 Growth driven by a
Slide 51: Loans & Advances (EOP)
Loans & Advances (EOP) BDT ‘000 Cr (10 Bn) As per BB BBL SME Retail Corporate YoY Growth 15% 14% 25% 12% 72 62 30 13 29 26 52 23 26 10 43 20 8 21 17 8 7 34 15 10 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Q1'22 Q1'23 Q1'24 Q1'25 Q1'26 Growth driven by a
Slide 52: Segmental Loans Mix (EOP)
Segmental Loans Mix (EOP) BDT Cr (10 Mn) As per BB. SME Retail Corporate FY'25 FY'24 29,691 41% FY'23 26,512 42% 30,624 73,066 20,267 39% 42% 62,337 51,945 26,041 12,750 42% 23,237 17% 45% 8,441 9,784 16% 16% 52
Slide 53: Segmental Loans Mix (EOP) Q1'26
Segmental Loans Mix (EOP) BDT Cr (10 Mn) As per BB. SME Retail Corporate Q1'26 Q1'25 28,806 40% Q1'24 25,784 20,706 41% 29,879 71,660 39% 42% 62,442 52,485 26,298 12,975 42% 23,345 18% 45% 8,434 10,360 16% 17% 53