BRAC Bank PLC. Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	78,588	58,574	41,864	31,370	24,225
Interest Paid on Deposits	62,555	42,120	21,315	12,954	7,913
Net Interest Income	16,033	16,454	20,549	18,416	16,312
Net Interest Income Growth (YoY)	-2.56%	-19.93%	11.58%	12.90%	22.14%
Gain (Loss) on Sale of Assets	-	9.21	6.94	15.41	3.8
Gain (Loss) on Sale of Investments	-493.61	2,221	1,505	600	772.86
Other Non-Interest Income	69,328	45,653	24,364	18,806	14,625
Total Non-Interest Income	68,834	47,883	25,876	19,422	15,402
Non-Interest Income Growth (YoY)	43.75%	85.05%	33.23%	26.10%	-2.29%
Revenues Before Loan Losses	84,867	64,337	46,425	37,838	31,714
Provision for Loan Losses	6,291	3,676	2,714	1,938	2,971
Revenue	78,575	60,661	43,711	35,900	28,743
Revenue Growth (YoY)	29.53%	38.78%	21.76%	24.90%	7.44%
Salaries and Employee Benefits	21,243	17,385	14,514	12,519	9,889
Occupancy Expenses	11,026	7,378	6,283	5,246	4,493
Selling, General & Administrative	5,775	6,593	5,845	4,646	3,785
Other Non-Interest Expense	6,518	4,966	4,264	4,151	3,654
Total Non-Interest Expense	44,554	36,316	30,888	26,557	21,817
EBT Excluding Unusual Items	34,021	24,344	12,823	9,343	6,926
Other Unusual Items	-	-0.06	-0.08	-4.93	-16.29
Pretax Income	34,021	24,098	12,823	9,283	6,910
Income Tax Expense	11,512	9,780	4,548	3,141	2,257
Earnings From Continuing Operations	22,509	14,318	8,275	6,142	4,653
Minority Interest in Earnings	-4,347	-2,022	-664.95	-109.27	812.07
Net Income	18,163	12,296	7,610	6,033	5,465
Net Income to Common	18,163	12,296	7,610	6,033	5,465
Net Income Growth	47.71%	61.58%	26.15%	10.39%	23.68%
Basic Shares Outstanding	-	1,991	1,991	1,991	1,991
Diluted Shares Outstanding	-	1,991	1,991	1,991	1,991
EPS (Basic)	-	6.18	3.82	3.03	2.74
EPS (Diluted)	-	6.18	3.82	3.03	2.74
EPS Growth	-	61.58%	26.15%	10.39%	23.68%
Dividend Per Share	-	1.111	0.808	0.564	0.524
Dividend Growth	-	37.49%	43.33%	7.49%	-21.25%
Effective Tax Rate	33.84%	40.58%	35.47%	33.84%	32.67%

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