Brac Bank Plc · DSEBD:BRACBANK
Brac Bank — Q3 2025 Earnings Presentation
35 slides from Brac Bank's earnings presentation
Slide 1: BRAC Bank PLC. Earnings Disclosure Q3'25 (Unaudited)
BRAC BANK PLC. Earnings Disclosure Q3’25 (Unaudited)
Slide 2: Opening Statement
Opening Statement 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.
Slide 3: Forward Looking Statements
Forward Looking Statements This presentation and accompanying oral remarks may contain or incorporate by reference “forward looking statements” regarding the belief or current expectations of BRAC Bank PLC., the Board of the Directors and other members of its Senior Management about the strategy, bu
Slide 4: Contents
Contents Economic Outlook and Market Update Business Highlights Retail Wholesale Banking Corporate & Institutional Banking Treasury & FI SME Risk Management Division Financial Updates bKash Update Q&A 4
Slide 5: Economic Outlook & Market Update
Economic Outlook & Market Update
Slide 6: Bangladesh Economic Update
Bangladesh Economic Update FY-24 (Jan-Aug) FY-25 (Jan-Aug) Volume ($ Bn) Source: BB, BBS Recent Developments 42.6 43.1 27.8 29.6 26.2 21.5 20.5 17.3 • Policy rate cut expected in FY-H1’26, 3.7 0.6 given a softer inflation expectation. (2.5) (2.1) • Foreign Currency (USD) Liquidity (14.8) (13.6) Expo
Slide 7: Bangladesh Economic Update
Bangladesh Economic Update BD Govt. ADB IMF WB Bangladesh GDP Growth Outlook Source: BB, ADB, IMF & WB Respective Database 7.9% 7.3% 7.1% 6.9% 5.5% 5.8% 5.8% 5.0% 4.9% 4.0% 3.5% 4.8% FY'18 FY'19 FY'20 FY'21 FY'22 FY'23 FY'24 FY'25 FY'26 Inflation Policy Rate 364-Bill Rate 11.6% 9.9% 10.0% 9.88% 8.0%
Slide 8: Retail Banking Division Updates
Retail Banking Division Updates
Slide 9: Business Highlights Q3'25 - Retail
Business Highlights Q3’25 - Retail YoY (Sep'25 vs Sep'24) Sep'25 vs Dec'24 Customer Number ▼5% (1,403k vs. 1,474k) ▲3% (1,403k vs. 1,361k) Tail management- 80k customers Deposits Deposits ▲36% ▲26%(34%)* CASA Mix ▼33% from 36% ▼33% from 35% CoD ▲6.48% from 5.50% ▲6.48% from 5.68% Assets Portfolio ▲3
Slide 10: Wholesale Banking Updates
Wholesale Banking Updates >
Slide 11: Business Highlights Q3'25 - Corporate & Institutional Banking
Business Highlights Q3’25 - Corporate & Institutional Banking YoY (Sep'25 vs Sep'24) Sep'25 vs Dec'24 Deposits Deposits ▲24% ▲16%(21%)* CASA Mix ▲54% from 51% ▲54% from 50% CoD ▲7.45% from 5.92% ▲7.45% from 6.22% Assets Portfolio ▲9% ▲4%(5%)* Yield ▲9.42% from 8.91% ▲9.42% from 9.12% New Limit ▲8,12
Slide 12: Business Highlights Q3'25 - Treasury & FI
Business Highlights Q3’25 - Treasury & FI G-SEC PORTFOLIO G-SEC TRANSACTION FX TRANSACTION BDT 30,479 CR. 66,079 CR. VOLUME (50% GROWTH YOY) (16.8% market share) $ 5.49 B NO. 1 AMONG PRIVATE COMMERCIAL BANK NO.1 BGTB TRADER FOR LAST 4 YEARS NO. 1 FCY LIQUIDITY PROVIDER FIRST SOCIAL BOND STRONG LIQUI
Slide 13: SME Banking Division Updates
SME Banking Division Updates
Slide 14: Business Highlights Q3'25 - SME
Business Highlights Q3’25 - SME YoY (Sep'25 vs Sep'24) Sep'25 vs Dec'24 Customer Number ▲25%(775k vs. 622k) ▲17%(775k vs. 661k) Deposits Deposits ▲43% ▲27%(35%)* CASA Mix ▼42% from 49% ▼42% from 46% CoD ▲5.44% from 4.30% ▲5.44% from 4.53% Assets Portfolio ▲20% ▲7%(10%)* Yield ▲12.39% from 9.86% ▲12.
Slide 15: Risk Management Division
Risk Management Dimision >
Slide 16: Risk Management: NPL & PAR movement
Risk Management: NPL & PAR movement BDT’ Cr (10 Mn) 30-DPD PAR NPL NPL % 30-DPD PAR % 6.13% 6.35% 8.00% 5.03% 4,500 5.00% 7.00% 4.82% 4.52% 4.86% 4.41% 4.32% 4.02% 4.23% 6.00% 4.00% 3.43% 5.00% 3.90% 4,000 4.00% 3.60% 3.72% 3.61% 4.00% 3.00% 3,500 3.38% 3.37% 2.00% 3.10% 3.13% 1.00% 2.90% 2,975 0.00
Slide 17: Credit Risk Management – Highlights
Credit Risk Management – Highlights Stressed Portfolio Trend NPL Coverage & Credit Cost Non-performing loans Performing Rescheduled Loans Pandemic-related Restructured Loans NPL Coverage Cost of Credit 8.20% 171% 3.60% 6.02% 132% 134% 123% 124% 1.60% 115% 116% 4.68% 1.32 111% 108% 105% 0.70% 97% 0.7
Slide 18: Financial Updates
Financial Updates [>
Slide 19: Customer Deposits (EOP)
Customer Deposits (EOP) BDT ‘000 Cr (10 Bn) BBL SME Retail Corporate YoY Growth 33% 43% 36% 24% 82 40 18 29 24 62 13 22 19 45 18 9 15 35 6 11 Q3'22 Q3'23 Q3'24 Q3'25 Q3'22 Q3'23 Q3'24 Q3'25 Q3'22 Q3'23 Q3'24 Q3'25 Q3'22 Q3'23 Q3'24 Q3'25 Strong growth across the segments 19
Slide 20: Segmental Customer Deposits Mix (EOP)
Segmental Customer Deposits Mix (EOP) BDT Cr (10 Mn) SME Retail Corporate Q3'25 18,084 Q3'24 22% Q3'23 12,674 20% 8,670, 39,995 82,190 19% 49% 29,472 61,602 24,112 22,130, 45,411 48% 29% 49% 19,456 14,611, 32% 32% 20
Slide 21: CASA-TD Mix
CASA-TD Mix BDT Cr (10 Mn) Current Savings Term Q3'25 Q3'24 Q3'23 15% CASA 59% 15% 41% 16% 57% CASA CASA 26% 51% 43% 49% 33% 28% 21
Slide 22: Loans & Advances (EOP)
Loans & Advances (EOP) BDT ‘000 Cr (10 Bn) As per BB BBL SME Retail Corporate YoY Growth 18% 23% 34% 6% 29 68 26 24 25 22 57 12 49 17 18 9 40 8 8 15 Q3'22 Q3'23 Q3'24 Q3'25 Q3'22 Q3'23 Q3'24 Q3'25 Q3'22 Q3'23 Q3'24 Q3'25 Q3'22 Q3'23 Q3'24 Q3'25 Asset momentum picking up 22
Slide 23: Segmental Loans Mix (EOP)
Segmental Loans Mix (EOP) BDT Cr (10 Mn) As per BB. SME Retail Corporate Q3'25 Q3'24 26,324 39% Q3'23 24,795 43% 29,236 67,522 17,990 43% 37% 57,413 48,664 23,700 11,961 22,333 41% 18% 46% 8,341 8,918 17% 16% 23
Slide 24: Standalone Performance YTD Q3'25
Standalone Performance YTD Q3’25 BDT Cr (10 Mn) unless stated otherwise Customer Deposits BDT 000’ Cr Yield 1.36%▲ CoD 0.86%▲ Customer Loans BDT 000’ Cr 11.03% 9.67% 6.46% 5.60% YTD Q3’25 2024 YTD Q3’25 2024 82.2 71.9 76.3 67.5 61.6 66.9 Spread 0.49%▲ CASA Mix 1%▼ 64.5 31%* 62.3 62.4 4.57% 4.08% 41%
Slide 25: Consolidated Performance YTD Q3'25
Consolidated Performance YTD Q3’25 BDT Cr (10 Mn) unless stated otherwise Deposits BDT 000’ Cr Loans BDT 000’ Cr 93.8 87.3 87.4 67.6 77.7 72.3 64.5 62.4 62.5 28%* 11%* Total Asset BDT 000’ Cr 57.4 125.5 117.1 117.2 30% 105.7 15% 99.6 25%* Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 2
Slide 26: Balance Sheet – Solo YTD Q3'25
Balance Sheet – Solo YTD Q3’25 BDT Cr (10 Mn) Particulars Sep'25 Dec'24 Δ Amt Δ% Sep'24 Δ Amt Δ% Cash and bank balances 6,064 5,152 912 18% 5,858 206 4% Money at call and short notice 85 75 10 14% 50 35 71% Investments 31,636 20,435 11,201 55% 18,543 13,094 71% Loans and advances 67,522 62,337 5,185
Slide 27: Balance Sheet – Consolidated YTD Q3'25
Balance Sheet – Consolidated YTD Q3’25 BDT Cr (10 Mn) Particulars Sep'25 Dec'24 Δ Amt Δ% Sep'24 Δ Amt Δ% Cash and bank balances 10,003 7,812 2,191 28% 8,014 1,989 25% Money at call and short notice 85 75 10 14% 50 35 71% Investments 41,070 29,796 11,274 38% 27,525 13,545 49% Loans and advances 67,57
Slide 28: P&L – Solo YTD Q3'25
P&L – Solo YTD Q3’25 BDT Cr (10 Mn) Particulars YTD Q3'25 YTD Q3'24 Δ Amt Δ% Net interest income 885 1,032 (147) -14% Investment income 2,629 1,436 1,193 83% Commission, exchange and brokerage 580 664 (84) -13% Other operating income 21 16 5 35% Total operating income 4,114 3,147 968 31% Staff Cost
Slide 29: P&L – Consolidated YTD Q3'25
P&L – Consolidated YTD Q3’25 BDT Cr (10 Mn) Particulars YTD Q3'25 YTD Q3'24 Δ Amt Δ% Net interest income 1,169 1,258 (90) -7% Investment income 3,394 1,965 1,429 73% Commission, exchange and brokerage 1,550 1,350 200 15% Other operating income 22 16 6 37% Total operating income 6,136 4,590 1,546 34%
Slide 30: CONSO Financials with each company's contribution
CONSO Financials with each company’s contribution BDT Cr (10 Mn) YTD Q3'25 YTD Q3'24 ∆ Amt Subsidiary PAT BBL’s Share in PAT BBL’s Share in PAT BBL’s Share in PAT PAT PAT BRAC EPL Investments Limited (17) (17) (24) (24) 7 7 BRAC EPL Stock Brokerage Limited 4.6 4.2 (1) (1) 5 5 BRAC SAAJAN Exchange Li
Slide 31: bKash Updates
bKash Updates
Slide 32: bKash: Key Matrices
aN 5 bKash: Key Matrices Q3'25 FY'24. Q3'25 FY'24 Q3'25 FY'24 Merchants (EOP) Avg. Monthly Tnx Vol (BDT Bn) Agents (EOP) 7 866.7K 2.6%" 889.6K 7 Us 873.4 357.6k 3.0%4 347.4 Q3'25 FY'24 Q3'25 FY'24 (a Total Customers (Mn) Active Customers (Mn) Market share in Tnx. Vol 81.4 3.0%. 79.4 45.4 60%« 43.0 8
Slide 33: Subsidiary Financials - bKash Limited: YTD Q3'25
Subsidiary Financials - bKash Limited: YTD Q3’25 BDT Cr (10 Mn) Particulars YTD Q3'25 YTD Q3'24 Δ Amt Δ % over YTD Q3'24 Gross revenue 5,474 4,130 1,344 33% VAT 636 484 152 31% Revenue 4,838 3,646 1,192 33% Cost of services 3,051 2,364 687 29% Gross profit 1,787 1,282 505 39% Operating and administr
Slide 34: Q&A
Q&A
Slide 35: Thank You
Thank You For any queries, please write to us on earningsdisclosure@bracbank.com Sustainability Report Unaudited Financial 2024 Statements Q3’25