Brac Bank delivered a strong set of results across profitability, operating efficiency and balance sheet expansion in the third quarter of 2026, underpinned by well diversified businesses, strength of its governance and customer-focused strategy.
On a consolidated basis, including all subsidiaries, the bank reported a 38% year-on-year increase in Net Profit After Tax (NPAT) to Tk2,121 crore for the nine months ended September 30, 2026, compared with Tk1,536 crore in the corresponding period of 2025.
On a standalone basis, NPAT rose 50% year-on-year to Tk1,584 crore, up from Tk1,055 crore a year earlier.
Despite a challenging macroeconomic and industry environment, Brac Bank continued to outperform the market, delivering robust balance sheet growth.
Compared with December 2025, customer deposits increased 16%, while loans and advances grew by 7%.
The bank also strengthened operational efficiency, reducing its cost-to-income ratio to 41% at the end of third quarter of 2026, compared with 46% in the corresponding period of 2025, reflecting sustained focus on productivity, cost discipline and digital transformations.
Consolidated Earnings Per Share (EPS) increased to Tk7.70 in Q3 2026 compared to Tk5.29 in the corresponding period of 2025.
The bank’s consolidated net asset value (NAV) per share rose to Tk56.40 on 30 September 2026 from Tk44.84 on 31 December 2025.
Brac Bank’s standalone total customer deposit grew by 16% in September 2026 compared to December 2025, showing strong alignment with its long-term growth strategy and customer confidence.
Consolidated Return on Equity (RoE) and Return on Assets (RoA) stood at 20.28% and 1.65% respectively.
Total consolidated revenue increased by 26% compared to corresponding period of 2025, driven by higher non-funded income coupled with interest income.
The bank’s NPL ratio (non-performing loans) stood at 2.27% in Q3 2026 compared to 2.27% in December 2025.
Regarding Brac Bank’s financial results, managing director and CEO Tareq Refat Ullah Khan commented: “Our third quarter performance reflects the strength of our business model, prudent governance and disciplined execution. Continued customer confidence has enabled us to deliver growth well above the market while maintaining one of the industry's strongest asset quality indicators. We will stay focused on creating sustainable long-term value for our customers, shareholders and the economy.”
As of September 30, 2026, the bank’s customer deposits exceeded Tk103,091 crore, while loans and advances reached Tk77,947 crore, bringing the fund under management to more than Tk181,038 crore.
The bank continued to record balanced growth across its Corporate, SME and Retail Banking segments while maintaining one of the lowest non-performing loan (NPL) ratios in the industry.
Strong balance sheet expansion, improved operating efficiency, most diversified portfolio and disciplined risk management collectively contributed to the bank’s robust earnings performance.
“Our achievements would not have been possible without the trust of our customers, the strategic guidance of our Board of Directors, the support of Bangladesh Bank, and the unwavering commitment of our colleagues. We are strongly committed to sustaining business growth while upholding the highest standards of governance, innovation, transparency and customer service,” Tareq Refat Ullah Khan added.