BRAC Bank PLC. (BRACBANK) Earnings Call Transcripts

BRAC Bank PLC.'s Latest Earnings Call - Q1 FY2026

BRAC Bank PLC reported strong financial results for the fiscal year 2025 and the first quarter of 2026, showcasing resilience amid a challenging macroeconomic environment. For FY 2025, the bank achieved a revenue growth of 31% year-on-year, with a profit after tax of BDT 2,251 crores, marking a significant increase of 43% in Q1 2026 compared to the previous year. Management provided a cautious yet optimistic outlook, projecting an asset growth of approximately 15% to 17% for FY 2026, driven by continued strength in SME and retail banking segments.

Reported metrics

Guidance from management

Management expects asset growth of approximately 15% to 17% for FY 2026, maintaining a cautious optimism regarding the macroeconomic environment.

What management said

Thanks to our on the chip. SME Banking remains at the heart of Bradman's identity and purpose. During financial 2025, the segment delivered 14% growth in the loan portfolio. and 33% growth in deposits. These results demonstrate the enduring strength of our SME franchises and the deep relationship that they have built over 25 years of our journey in Bangladesh. Now let me invite our Head of Wholesale Banking, Shaheen ...

Thank you, Shaheen. Despite of microglia challenges, our wholesale banking business continued to perform strongly. Trade business volume grew by around 30%, surpassing use $7 billion mark, while our offshore banking unit expanded by 53%. These achievements reflect the confidence of our corporate and into trends placing the man and our ability to provide solutions are to the evolving needs. Now let me introduce our ...

What analysts pressed on

Analysts expressed concerns regarding the potential impact of global supply chain challenges on trade volumes and overall loan growth. There were questions about the sustainability of asset quality improvements in the current economic climate.

Main topics on the call

• Revenue Growth — BRAC Bank's revenue grew by 31% year-on-year in FY 2025, reflecting strong performance across its diversified business model. Management stated, "Our income grew about 24%", indicating robust underlying growth drivers.
• Profitability Improvement — The bank reported a profit after tax of BDT 2,251 crores for FY 2025, with Q1 2026 profit increasing by 43% year-on-year to BDT 696 crores. This growth was attributed to improved asset quality and effective cost manageme...
• Asset Quality — BRAC Bank's NPL ratio improved to 2.27% in FY 2025, demonstrating effective risk management. The management noted, "Our NPL issue is around 2.2%", indicating ongoing vigilance in credit quality.
• SME Banking Performance — The SME banking segment continued to be a key growth driver, with a 14% increase in the loan portfolio and a 33% rise in deposits year-on-year. Management emphasized the importance of this segment, stating it remains "fi...

Read the full BRAC Bank PLC. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 11 BRAC Bank PLC. earnings call transcripts on record, spanning November 5, 2020 to August 13, 2026. Based on this history, BRAC Bank PLC. reports semi-annually. The most recent call on file is dated August 13, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

BRACBANK

Exchange

DSE

Country

BD

Sector

Financials

Industry

Banks

Calls on record

11

First call

November 5, 2020

Most recent

August 13, 2026

Reporting cadence

semi-annually