BRAC Bank PLC. (DSE:BRACBANK)

BRAC Bank PLC. Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	73,697	58,574	41,864	31,370	24,225	27,080
Interest Paid on Deposits	58,167	42,120	21,315	12,954	7,913	13,725
Net Interest Income	15,530	16,454	20,549	18,416	16,312	13,355
Net Interest Income Growth (YoY)	-12.66%	-19.93%	11.58%	12.90%	22.14%	-25.49%
Gain (Loss) on Sale of Assets	17.03	9.21	6.94	15.41	3.8	11.09
Gain (Loss) on Sale of Investments	3,947	2,221	1,505	600	772.86	2,423
Other Non-Interest Income	60,386	45,653	24,364	18,806	14,625	13,328
Total Non-Interest Income	64,350	47,883	25,876	19,422	15,402	15,762
Non-Interest Income Growth (YoY)	59.67%	85.05%	33.23%	26.10%	-2.29%	68.30%
Revenues Before Loan Losses	79,880	64,337	46,425	37,838	31,714	29,117
Provision for Loan Losses	5,809	3,676	2,714	1,938	2,971	2,365
Revenue	74,071	60,661	43,711	35,900	28,743	26,752
Revenue Growth (YoY)	35.01%	38.78%	21.76%	24.90%	7.44%	2.13%
Salaries and Employee Benefits	20,370	17,385	14,514	12,519	9,889	9,043
Occupancy Expenses	9,051	7,378	6,283	5,246	4,493	3,978
Selling, General & Administrative	7,228	6,593	5,845	4,646	3,785	3,810
Other Non-Interest Expense	5,815	4,966	4,264	4,151	3,654	3,537
Total Non-Interest Expense	42,455	36,316	30,888	26,557	21,817	20,368
EBT Excluding Unusual Items	31,617	24,344	12,823	9,343	6,926	6,384
Other Unusual Items	-0.06	-0.06	-0.08	-4.93	-16.29	-48.04
Pretax Income	31,370	24,098	12,823	9,283	6,910	6,336
Income Tax Expense	11,799	9,780	4,548	3,141	2,257	2,295
Earnings From Continuing Operations	19,571	14,318	8,275	6,142	4,653	4,041
Minority Interest in Earnings	-3,868	-2,022	-664.95	-109.27	812.07	376.92
Net Income	15,702	12,296	7,610	6,033	5,465	4,418
Net Income to Common	15,702	12,296	7,610	6,033	5,465	4,418
Net Income Growth	41.88%	61.58%	26.15%	10.39%	23.68%	-10.76%
Basic Shares Outstanding	1,991	1,991	1,991	1,991	1,991	1,991
Diluted Shares Outstanding	1,991	1,991	1,991	1,991	1,991	1,991
EPS (Basic)	7.89	6.18	3.82	3.03	2.74	2.22
EPS (Diluted)	7.89	6.18	3.82	3.03	2.74	2.22
EPS Growth	41.88%	61.58%	26.15%	10.39%	23.68%	-10.76%
Dividend Per Share	1.111	1.111	0.808	0.564	0.524	0.666
Dividend Growth	37.49%	37.49%	43.33%	7.49%	-21.25%	43.32%
Effective Tax Rate	37.61%	40.58%	35.47%	33.84%	32.67%	36.22%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.