BRAC Bank PLC. Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	91,022	78,588	58,574	41,864	31,370	24,225
Interest Paid on Deposits	70,099	62,555	42,120	21,315	12,954	7,913
Net Interest Income	20,922	16,033	16,454	20,549	18,416	16,312
Net Interest Income Growth	34.73%	-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	3,792	4,713	2,220	1,505	600	772.86
Other Non-Interest Income	76,272	64,105	45,654	24,364	18,806	14,625
Total Non-Interest Income	80,081	68,834	47,883	25,876	19,422	15,402
Non-Interest Income Growth	24.45%	43.75%	85.05%	33.23%	26.10%	-2.29%
Revenues Before Loan Losses	101,003	84,867	64,337	46,425	37,838	31,714
Provision for Loan Losses	6,615	6,291	3,676	2,714	1,938	2,971
Revenue	94,388	78,575	60,661	43,711	35,900	28,743
Revenue Growth	27.43%	29.53%	38.78%	21.76%	24.90%	7.44%
Salaries and Employee Benefits	23,877	21,243	17,385	14,514	12,519	9,889
Occupancy Expenses	12,162	11,026	8,666	7,218	6,079	4,493
Selling, General & Administrative	6,382	5,985	5,315	4,910	3,813	3,785
Other Non-Interest Expense	8,063	6,308	4,958	4,264	4,151	3,654
Total Non-Interest Expense	50,496	44,554	36,316	30,888	26,557	21,817
EBT Excluding Unusual Items	43,892	34,021	24,344	12,823	9,343	6,926
Other Unusual Items	-	-	-	-0.08	-4.93	-16.29
Pretax Income	43,892	34,021	24,098	12,823	9,283	6,910
Income Tax Expense	15,532	11,512	9,780	4,548	3,141	2,257
Earnings From Continuing Operations	28,360	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	23,676	18,163	12,296	7,610	6,033	5,465
Net Income to Common	23,676	18,163	12,296	7,610	6,033	5,465
Net Income Growth	50.78%	47.71%	61.58%	26.15%	10.39%	23.68%
Basic Shares Outstanding	2,290	2,290	2,290	2,290	2,290	2,290
Diluted Shares Outstanding	2,290	2,290	2,290	2,290	2,290	2,290
Shares Change	-	-	-	-	-	-
EPS (Basic)	10.34	7.93	5.37	3.32	2.63	2.39
EPS (Diluted)	10.34	7.93	5.37	3.32	2.63	2.39
EPS Growth	50.78%	47.71%	61.58%	26.15%	10.39%	23.68%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	1.304	1.304	0.966	0.703	0.490	0.456
Dividend Growth	34.99%	34.99%	37.52%	43.33%	7.50%	-21.26%
Effective Tax Rate	35.39%	33.84%	40.58%	35.47%	33.84%	32.67%