BRAC Bank posts 52% rise in profit in first nine months of 2025

BRAC Bank PLC has reported a 52% year-on-year rise in consolidated net profit after tax (NPAT) for the first nine months of 2025, driven by strong asset growth and higher revenue across its business segments.

The bank's consolidated NPAT stood at Tk1,536 crore during January–September 2025, up from Tk1,011 crore in the same period of 2024. On a standalone basis, BRAC Bank's NPAT was Tk1,055 crore, marking a 28% increase from Tk827 crore a year earlier.

Despite challenging economic conditions, the bank achieved robust balance sheet growth in the first nine months of 2025, significantly outpacing market averages. Total customer deposits grew by 29% (annualised), while loans and advances rose by 11% (annualised).

The bank's total assets expanded at an annualised rate of 26%, while total revenue increased by 41% year-on-year.

BRAC Bank unveiled its financial and operational performance for Q3 2025 during a virtual earnings disclosure event on 3 November. The event, broadcast live on social media, was attended by investment analysts, portfolio managers, and capital market experts from local and international markets.

Managing Director and CEO Tareq Refat Ullah Khan, along with senior officials, presented the results, operational highlights, and future strategic priorities. The session concluded with a Q&A segment.

Key highlights (as of 30 September 2025):

• Consolidated earnings per share (EPS) rose to Tk6.09, up from Tk4.37 in the same period of 2024.

• Consolidated net asset value (NAV) per share increased to Tk51.73, compared to Tk39.38 in December 2024.

• Consolidated deposits reached Tk93,772 crore, growing by 28% (annualised).

• Consolidated return on equity (RoE) stood at 22.58%, and return on assets (RoA) at 1.77%.

• Total consolidated revenue increased by 34% year-on-year, supported by higher non-funded and interest income.

• The non-performing loan (NPL) ratio rose to 3.56% from 2.63% in December 2024.

Commenting on the results, Tareq Refat Ullah Khan said, "Our performance reflects our steadfast commitment to our customers, our community, and our country. Powered by the trust of our stakeholders, we remain focused on innovation, empowerment, and driving inclusive and sustainable growth for Bangladesh."

He added, "Through consistent performance and strong governance, BRAC Bank has established itself as a benchmark institution for values-based banking, compliance, and corporate integrity. We extend our sincere appreciation to our chairperson and board of directors for their strategic direction, to Bangladesh Bank for their continued guidance, and to our customers for their enduring confidence in BRAC Bank."