DSE : BRACBANK
BRAC Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 67.5 BDT (At close: Oct 29, 2026) · Market cap 154.55B
Latest research: BRAC Bank valuation report: fair value BDT 18.4–73.3 (Oct 2026) · BRAC Bank plus bKash: sum of the parts puts fair value at BDT 18–73
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 87.01B | 78.59B | 58.57B | 41.86B | 31.37B | 24.23B |
| Interest Paid on Deposits | 68.59B | 62.56B | 42.12B | 21.32B | 12.95B | 7.91B |
| Net Interest Income | 18.43B | 16.03B | 16.45B | 20.55B | 18.42B | 16.31B |
| Gain (Loss) on Sale of Assets | 15.98M | 15.98M | 9.23M | 6.94M | 15.41M | 3.80M |
| Gain (Loss) on Sale of Investments | 5.18B | 4.71B | 2.22B | 1.50B | 600.00M | 772.86M |
| Other Non-Interest Income | 73.06B | 64.10B | 45.65B | 24.36B | 18.81B | 14.63B |
| Total Non-Interest Income | 78.26B | 68.83B | 47.88B | 25.88B | 19.42B | 15.40B |
| Revenues Before Loan Losses | 96.68B | 84.87B | 64.34B | 46.43B | 37.84B | 31.71B |
| Provision for Loan Losses | 6.07B | 6.29B | 3.68B | 2.71B | 1.94B | 2.97B |
| Revenue | 90.62B | 78.58B | 60.66B | 43.71B | 35.90B | 28.74B |
| Salaries and Employee Benefits | 23.15B | 21.24B | 17.39B | 14.51B | 12.52B | 9.89B |
| Occupancy Expenses | 11.89B | 11.03B | 8.67B | 7.22B | 6.08B | 4.49B |
| Selling, General & Administrative | 6.09B | 5.98B | 5.31B | 4.91B | 3.81B | 3.79B |
| Other Non-Interest Expense | 7.10B | 6.31B | 4.96B | 4.26B | 4.15B | 3.65B |
| Total Non-Interest Expense | 48.25B | 44.55B | 36.32B | 30.89B | 26.56B | 21.82B |
| EBT Excluding Unusual Items | 42.37B | 34.02B | 24.34B | 12.82B | 9.34B | 6.93B |
| Other Unusual Items | -78.87K | -4.93M | -16.29M | |||
| Pretax Income | 42.37B | 34.02B | 24.10B | 12.82B | 9.28B | 6.91B |
| Income Tax Expense | 14.69B | 11.51B | 9.78B | 4.55B | 3.14B | 2.26B |
| Earnings From Continuing Operations | 27.68B | 22.51B | 14.32B | 8.28B | 6.14B | 4.65B |
| Minority Interest in Earnings | -5.00B | -4.35B | -2.02B | -664.95M | -109.27M | 812.07M |
| Net Income | 22.68B | 18.16B | 12.30B | 7.61B | 6.03B | 5.46B |
| Net Income to Common | 22.68B | 18.16B | 12.30B | 7.61B | 6.03B | 5.46B |
| Basic Shares Outstanding | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B |
| Diluted Shares Outstanding | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B |
| EPS (Basic) | 9.91 | 7.93 | 5.37 | 3.32 | 2.63 | 2.39 |
| EPS (Diluted) | 9.91 | 7.93 | 5.37 | 3.32 | 2.63 | 2.39 |
| Dividend Per Share | 1.30 | 1.30 | 0.97 | 0.70 | 0.49 | 0.46 |
| Effective Tax Rate | 34.66% | 33.84% | 40.58% | 35.47% | 33.84% | 32.67% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 89.77B | 75.10B | 48.02B | 49.35B | 71.70B | 90.97B |
| Investment Securities | 482.06B | 227.98B | 199.32B | 191.19B | 116.55B | 70.10B |
| Trading Asset Securities | 191.47B | 98.71B | 21.31M | |||
| Total Investments | 482.06B | 419.45B | 298.03B | 191.19B | 116.55B | 70.12B |
| Gross Loans | 777.37B | 731.41B | 623.85B | 520.29B | 412.08B | 322.20B |
| Allowance for Loan Losses | -15.48B | |||||
| Net Loans | 761.89B | 731.41B | 623.85B | 520.29B | 412.08B | 322.20B |
| Property, Plant & Equipment | 23.64B | 17.56B | 14.40B | 13.02B | 13.46B | 12.83B |
| Goodwill | 1.13B | 1.13B | 1.13B | 1.37B | 1.37B | 1.43B |
| Accrued Interest Receivable | 14.12B | 12.74B | 10.00B | 4.46B | 2.72B | |
| Other Receivables | 16.29B | 13.27B | 9.74B | 9.62B | 2.07B | |
| Restricted Cash | 44.72B | 34.66B | 30.85B | 28.15B | 19.95B | 14.25B |
| Other Current Assets | 578.50M | 197.13M | 222.91M | 173.43M | 147.56M | |
| Long-Term Deferred Tax Assets | 6.53B | 7.77B | 8.15B | 8.19B | 5.23B | |
| Other Long-Term Assets | 10.74B | 14.05B | 11.58B | 10.64B | 20.83B | 5.77B |
| Total Assets | 1.45T | 1.33T | 1.06T | 837.15B | 655.95B | 527.91B |
| Accounts Payable | 138.93M | 186.33M | 132.25M | 117.44M | 162.43M | 125.95M |
| Accrued Expenses | 12.86B | 11.83B | 7.04B | 5.39B | 5.56B | 5.82B |
| Interest Bearing Deposits | 1.08T | 987.34B | 774.10B | 585.71B | 445.32B | 361.96B |
| Total Deposits | 1.08T | 987.34B | 774.10B | 585.71B | 445.32B | 361.96B |
| Short-Term Borrowings | 3.99B | 10.74B | 9.10B | 8.75B | 12.08B | 2.71B |
| Current Portion of Long-Term Debt | 60.67B | 31.82B | 47.34B | 52.96B | 37.44B | |
| Current Income Taxes Payable | 4.99B | 12.37B | 9.12B | 7.18B | 5.45B | 5.92B |
| Accrued Interest Payable | 1.40B | 1.75B | 1.50B | 1.17B | 733.12M | 331.04M |
| Other Current Liabilities | 11.70B | 4.50B | 4.91B | 3.31B | 2.30B | 2.58B |
| Long-Term Debt | 147.08B | 69.10B | 79.21B | 52.56B | 20.81B | 7.18B |
| Long-Term Leases | 7.60B | 6.50B | 4.68B | 4.47B | 4.47B | 4.09B |
| Long-Term Deferred Tax Liabilities | 3.07B | 2.54B | 1.88B | 275.14M | 347.18M | 377.33M |
| Other Long-Term Liabilities | 33.22B | 31.17B | 32.31B | 33.84B | 24.70B | 22.44B |
| Total Liabilities | 1.31T | 1.20T | 955.80B | 750.12B | 574.89B | 450.96B |
| Common Stock | 22.90B | 19.91B | 17.70B | 16.09B | 14.97B | 13.92B |
| Additional Paid-In Capital | 3.85B | 3.85B | 3.85B | 3.85B | 3.85B | 3.85B |
| Retained Earnings | 73.83B | 68.30B | 54.70B | 45.87B | 40.61B | 36.83B |
| Comprehensive Income & Other | 12.48B | 10.59B | 2.16B | 733.72M | 1.76B | 2.59B |
| Total Common Equity | 113.07B | 102.66B | 78.41B | 66.54B | 61.19B | 57.19B |
| Minority Interest | 29.39B | 26.76B | 22.51B | 20.48B | 19.88B | 19.76B |
| Shareholders' Equity | 142.46B | 129.42B | 100.92B | 87.02B | 81.06B | 76.95B |
| Total Liabilities & Equity | 1.45T | 1.33T | 1.06T | 837.15B | 655.95B | 527.91B |
| Total Debt | 158.67B | 147.01B | 124.81B | 113.12B | 90.31B | 51.41B |
| Net Cash (Debt) | -68.90B | 119.56B | 21.91B | -63.78B | -18.61B | 39.58B |
| Net Cash Per Share | -30.09 | 52.22 | 9.57 | -27.86 | -8.13 | 17.29 |
| Filing Date Shares Outstanding | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B |
| Total Common Shares Outstanding | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B | 2.29B |
| Book Value Per Share | 49.38 | 44.84 | 34.25 | 29.06 | 26.72 | 24.98 |
| Tangible Book Value | 111.94B | 101.53B | 77.29B | 65.17B | 59.81B | 55.76B |
| Tangible Book Value Per Share | 48.89 | 44.35 | 33.76 | 28.46 | 26.12 | 24.35 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 22.68B | 18.16B | 12.30B | 7.61B | 6.03B | 5.46B |
| Depreciation & Amortization | 3.88B | 3.07B | 2.70B | 2.49B | 2.35B | 2.14B |
| Other Amortization | 1.84B | 1.84B | 1.47B | 1.29B | 1.16B | 888.47M |
| Change in Other Net Operating Assets | -112.37B | -104.46B | -100.73B | -96.39B | -53.27B | -36.81B |
| Other Operating Activities | 9.96B | 16.13B | 10.42B | 10.83B | 1.20B | 335.16M |
| Operating Cash Flow | -74.01B | -65.26B | -73.84B | -74.17B | -42.52B | -27.99B |
| Capital Expenditures | -10.39B | -7.38B | -5.74B | -3.85B | -3.54B | -4.70B |
| Sale of Property, Plant and Equipment | 56.27M | 123.35M | 118.02M | 54.89M | 17.74M | 601.37M |
| Investment in Securities | -84.41B | -113.26B | -106.24B | -75.73B | -47.68B | 21.96B |
| Investing Cash Flow | -94.75B | -120.51B | -111.86B | -79.52B | -51.20B | 17.87B |
| Long-Term Debt Issued | 7.25B | 6.29B | ||||
| Net Debt Issued (Repaid) | 10.00B | 7.25B | 6.29B | |||
| Issuance of Common Stock | 232.49M | 112.14M | ||||
| Preferred Stock Issued | 22.33B | |||||
| Preferred Share Repurchases | -44.85M | |||||
| Common Dividends Paid | -2.96B | -2.22B | -1.59B | -1.12B | -1.04B | -1.38B |
| Net Increase (Decrease) in Deposit Accounts | 222.40B | 210.03B | 181.63B | 139.74B | 80.14B | 31.71B |
| Financing Cash Flow | 229.44B | 215.07B | 186.55B | 138.58B | 79.21B | 52.66B |
| Foreign Exchange Rate Adjustments | 2.67M | 1.59B | 520.99M | 964.64M | 934.39M | 42.03M |
| Net Cash Flow | 60.68B | 30.89B | 1.37B | -14.15B | -13.57B | 42.58B |
| Free Cash Flow | -84.41B | -72.64B | -79.58B | -78.02B | -46.06B | -32.68B |
| Free Cash Flow Margin | -93.14% | -92.44% | -131.19% | -178.49% | -128.30% | -113.71% |
| Free Cash Flow Per Share | -36.87 | -31.73 | -34.76 | -34.08 | -20.12 | -14.28 |
| Cash Interest Paid | 68.10B | 59.63B | 37.42B | 19.25B | 10.35B | 8.77B |
| Cash Income Tax Paid | 17.71B | 17.49B | 14.03B | 5.62B | 10.35B | 7.11B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 155.23B | 125.63B | 86.72B | 57.60B | 57.62B | 76.99B |
| Last Close Price | 67.80 | 53.74 | 36.20 | 23.43 | 22.98 | 30.24 |
| PE Ratio | 6.84 | 6.92 | 7.05 | 7.57 | 9.55 | 14.09 |
| PS Ratio | 1.71 | 1.60 | 1.43 | 1.32 | 1.60 | 2.68 |
| PB Ratio | 1.09 | 0.97 | 0.86 | 0.66 | 0.71 | 1.00 |
| Debt / Equity Ratio | 1.11 | 1.14 | 1.24 | 1.30 | 1.11 | 0.67 |
| Net Debt / Equity Ratio | 0.48 | -0.92 | -0.22 | 0.73 | 0.23 | -0.51 |
| Net Debt / FCF Ratio | -0.82 | 1.65 | 0.28 | -0.82 | -0.40 | 1.21 |
| Return on Equity (ROE) | 21.99% | 19.54% | 15.24% | 9.85% | 7.77% | 7.12% |
| Return on Assets (ROA) | 2.11% | 1.89% | 1.51% | 1.11% | 1.04% | 0.95% |
| Earnings Yield | 14.61% | 14.46% | 14.18% | 13.21% | 10.47% | 7.10% |
| FCF Yield | -54.37% | -57.82% | -91.77% | -135.45% | -79.94% | -42.45% |
| Dividend Yield | 1.92% | 2.38% | 2.55% | 2.79% | 1.95% | 1.36% |
| Payout Ratio | 13.07% | 12.20% | 12.95% | 14.70% | 17.28% | 25.31% |
| Buyback Yield / Dilution | 0.00% | 0.00% | 0.00% | 0.00% | ||
| Total Shareholder Return | 1.92% | 2.38% | 2.55% | 2.79% | 1.95% | 1.36% |