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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	64,123	58,574	41,864	31,370	24,225	27,080
Interest Paid on Deposits	48,144	42,120	21,315	12,954	7,913	13,725
Net Interest Income	15,979	16,454	20,549	18,416	16,312	13,355
Net Interest Income Growth (YoY)	-20.97%	-19.93%	11.58%	12.90%	22.14%	-25.49%
Gain (Loss) on Sale of Assets	9.21	9.21	6.94	15.41	3.8	11.09
Gain (Loss) on Sale of Investments	2,377	2,221	1,505	600	772.86	2,423
Other Non-Interest Income	50,342	45,653	24,364	18,806	14,625	13,328
Total Non-Interest Income	52,727	47,883	25,876	19,422	15,402	15,762
Non-Interest Income Growth (YoY)	72.90%	85.05%	33.23%	26.10%	-2.29%	68.30%
Revenues Before Loan Losses	68,706	64,337	46,425	37,838	31,714	29,117
Provision for Loan Losses	3,441	3,676	2,714	1,938	2,971	2,365
Revenue	65,265	60,661	43,711	35,900	28,743	26,752
Revenue Growth (YoY)	36.85%	38.78%	21.76%	24.90%	7.44%	2.13%
Salaries and Employee Benefits	18,190	17,385	14,514	12,519	9,889	9,043
Occupancy Expenses	7,779	7,378	6,283	5,246	4,493	3,978
Selling, General & Administrative	7,108	6,593	5,845	4,646	3,785	3,810
Other Non-Interest Expense	5,306	4,966	4,264	4,151	3,654	3,537
Total Non-Interest Expense	38,387	36,316	30,888	26,557	21,817	20,368
EBT Excluding Unusual Items	26,879	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	26,632	24,098	12,823	9,283	6,910	6,336
Income Tax Expense	10,629	9,780	4,548	3,141	2,257	2,295
Earnings From Continuing Operations	16,003	14,318	8,275	6,142	4,653	4,041
Minority Interest in Earnings	-2,421	-2,022	-664.95	-109.27	812.07	376.92
Net Income	13,582	12,296	7,610	6,033	5,465	4,418
Net Income to Common	13,582	12,296	7,610	6,033	5,465	4,418
Net Income Growth	52.52%	61.58%	26.15%	10.39%	23.68%	-10.76%
Basic Shares Outstanding	1,769	1,770	1,770	1,770	1,770	1,770
Diluted Shares Outstanding	1,769	1,770	1,770	1,770	1,770	1,770
Shares Change (YoY)	-0.12%	-	-	-	-	-
EPS (Basic)	7.68	6.95	4.30	3.41	3.09	2.50
EPS (Diluted)	7.68	6.95	4.30	3.41	3.09	2.50
EPS Growth	52.70%	61.58%	26.15%	10.39%	23.68%	-10.76%
Dividend Per Share	1.250	1.250	0.909	0.634	0.590	0.749
Dividend Growth	37.50%	37.50%	43.35%	7.49%	-21.25%	43.33%
Effective Tax Rate	39.91%	40.58%	35.47%	33.84%	32.67%	36.22%

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