BRAC Bank maintains global credit strength with S&P rating
BRAC Bank has once again secured a 'B+' long-term credit rating with a 'Stable' outlook from S&P Global Ratings, aligning with Bangladesh's sovereign rating.
This marks the ninth consecutive year the bank has achieved this distinction.
In its report released on 26 November 2025, S&P stated that BRAC Bank is expected to maintain its financial profile despite challenging operating conditions. 'Improved profitability, high earnings retention, and calibrated loan growth should support the risk-adjusted capital (RAC) ratio over the next two years,' the agency noted.
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S&P added that BRAC Bank's prudent management will help it navigate ongoing volatility. It projected the bank's non-performing loan ratio to remain between 3.1 per cent and 3.5 per cent over the next 12–18 months—well below the national sector average—supported by a balanced loan book and proactive risk management.
On BRAC Bank's stable outlook, S&P stated that the bank is likely to 'steadily navigate challenging operating conditions in Bangladesh and maintain its financial profile'.
Tareq Refat Ullah Khan, Managing Director and Chief Executive Officer of BRAC Bank, stated that the rating reflects the bank's commitment to strengthening capital, asset quality, governance, and liquidity. 'Achieving such a distinguished rating from an international authority is not only a milestone for BRAC Bank but also a positive signal for Bangladesh's banking sector,' he added.
He expressed gratitude to customers, shareholders, colleagues, and regulators for their continued trust and support.
BRAC Bank is also the highest-rated bank in Bangladesh by CRAB (AAA) and Moody's (B2).
