BRAC Bank posts strong performance in 2025, Q1 2026
BRAC Bank delivered a strong financial performance in 2025, recording balance sheet growth and sustaining momentum into the first quarter of 2026.
The bank's subsidiaries, particularly bKash Limited, also posted notable growth during the year, reflecting the strength of the broader BRAC Bank ecosystem.
The bank said its performance was driven by customer trust, governance, product innovation, expanding digital capabilities and a growing distribution network.
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BRAC Bank disclosed its financial and operational results for 2025 and the first quarter of 2026 at a virtual earnings disclosure event on 21 May 2026.
The event, broadcast live on social media, was attended by investment analysts, portfolio managers and capital market experts from local and foreign markets.
BRAC Bank Managing Director and CEO Tareq Refat Ullah Khan and other senior officials presented the financial results, operational achievements and the bank's strategic priorities. A question-and-answer session was also held.
2025 performance highlights
BRAC Bank achieved 57% year-on-year growth in consolidated Net Profit After Tax, reaching Tk2,251 crore in 2025, compared with Tk1,432 crore in 2024.
The bank's standalone Net Profit After Tax stood at Tk1,581 crore in 2025, up 30% from Tk1,214 crore in the previous year.
Consolidated Return on Equity and Return on Assets stood at 20.06% and 1.52% respectively.
Consolidated earnings per share rose to Tk9.12 in 2025 from Tk6.18 in 2024.
The bank's consolidated net asset value per share increased to Tk51.56 from Tk39.38 in the previous year.
Net operating cash flow per share on a consolidated basis increased to Tk72.72 in 2025 from Tk54.14 in 2024.
BRAC Bank's loan portfolio grew by 17% year-on-year, compared with average industry growth of around 6%.
The bank's standalone total deposits grew by 29% year-on-year, compared with average industry growth of around 12%.
Total consolidated revenue increased by 33% year-on-year in 2025, driven by higher net interest income resulting from loan growth, efficient fund management and higher non-funded income.
Total consolidated operating costs increased by 22% compared with 2024, mainly due to investment in people, technology and infrastructure to support the bank's growth strategy.
The bank's non-performing loan ratio improved to 2.27% in 2025 from 2.63% in 2024, supported by initiatives in underwriting, monitoring and recovery.
Q1 2026 performance highlights
Consolidated Net Profit After Tax stood at Tk696 crore in the first quarter of 2026, reflecting 43% year-on-year growth compared with the same period of 2025.
Consolidated Return on Equity and Return on Assets stood at 21.54% and 1.70% respectively.
Consolidated earnings per share increased to Tk2.90 in the first quarter of 2026 from Tk2.02 in the corresponding period of 2025.
The bank's consolidated net asset value per share rose to Tk56.12 on 31 March 2026 from Tk51.56 in December 2025.
BRAC Bank's standalone total deposits grew by 3% in the first quarter of 2026 compared with December 2025.
Total consolidated revenue increased by 27% compared with the first quarter of 2025, driven by higher investment and non-funded income, along with interest income.
The bank's non-performing loan ratio edged up to 2.29% in the first quarter of 2026 from 2.27% in December 2025.
Commenting on the results, Tareq Refat Ullah Khan said BRAC Bank's financial performance in 2025 and continued momentum in the first quarter of 2026 reflected the trust of customers and stakeholders in the bank's values-based banking model.
"Our consistent growth has been driven by prudent governance, customer-centric products, expanding digital capabilities, and a growing distribution network that continues to bring more people into our banking system," he said.
"Over the years, BRAC Bank has earned recognition as a benchmark for governance, compliance, and sustainable banking in Bangladesh. We are deeply grateful to our Board of Directors for strategic guidance, Bangladesh Bank and other regulators for their continued policy support, and above all, our customers for the confidence and trust they place in us," he added.
