BRAC Bank PLC. (DSE:BRACBANK)

BRAC Bank PLC. Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	83,001	78,588	58,574	41,864	31,370	24,225
Interest Paid on Deposits	66,086	62,555	42,120	21,315	12,954	7,913
Net Interest Income	16,915	16,033	16,454	20,549	18,416	16,312
Net Interest Income Growth (YoY)	5.86%	-2.56%	-19.93%	11.58%	12.90%	22.14%
Gain (Loss) on Sale of Assets	15.98	15.98	9.23	6.94	15.41	3.8
Gain (Loss) on Sale of Investments	4,813	4,713	2,220	1,505	600	772.86
Other Non-Interest Income	68,452	64,105	45,654	24,364	18,806	14,625
Total Non-Interest Income	73,281	68,834	47,883	25,876	19,422	15,402
Non-Interest Income Growth (YoY)	38.98%	43.75%	85.05%	33.23%	26.10%	-2.29%
Revenues Before Loan Losses	90,196	84,867	64,337	46,425	37,838	31,714
Provision for Loan Losses	6,871	6,291	3,676	2,714	1,938	2,971
Revenue	83,324	78,575	60,661	43,711	35,900	28,743
Revenue Growth (YoY)	27.67%	29.53%	38.78%	21.76%	24.90%	7.44%
Salaries and Employee Benefits	22,283	21,243	17,385	14,514	12,519	9,889
Occupancy Expenses	11,501	11,026	8,666	7,218	6,079	4,493
Selling, General & Administrative	5,901	5,985	5,315	4,910	3,813	3,785
Other Non-Interest Expense	6,501	6,308	4,958	4,264	4,151	3,654
Total Non-Interest Expense	46,183	44,554	36,316	30,888	26,557	21,817
EBT Excluding Unusual Items	37,141	34,021	24,344	12,823	9,343	6,926
Other Unusual Items	-	-	-	-0.08	-4.93	-16.29
Pretax Income	37,141	34,021	24,098	12,823	9,283	6,910
Income Tax Expense	12,538	11,512	9,780	4,548	3,141	2,257
Earnings From Continuing Operations	24,603	22,509	14,318	8,275	6,142	4,653
Minority Interest in Earnings	-4,685	-4,347	-2,022	-664.95	-109.27	812.07
Net Income	19,918	18,163	12,296	7,610	6,033	5,465
Net Income to Common	19,918	18,163	12,296	7,610	6,033	5,465
Net Income Growth	46.65%	47.71%	61.58%	26.15%	10.39%	23.68%
Basic Shares Outstanding	2,032	2,290	2,290	2,290	2,290	2,290
Diluted Shares Outstanding	2,032	2,290	2,290	2,290	2,290	2,290
Shares Change (YoY)	4.22%	-	-	-	-	-
EPS (Basic)	9.80	7.93	5.37	3.32	2.63	2.39
EPS (Diluted)	9.80	7.93	5.37	3.32	2.63	2.39
EPS Growth	40.72%	47.71%	61.58%	26.15%	10.39%	23.68%
Dividend Per Share	1.500	1.304	0.966	0.703	0.490	0.456
Dividend Growth	35.00%	34.99%	37.52%	43.33%	7.50%	-21.26%
Effective Tax Rate	33.76%	33.84%	40.58%	35.47%	33.84%	32.67%

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