Brac Bank Plc · DSEBD:BRACBANK
Brac Bank — H1 2025 Earnings Presentation
40 slides from Brac Bank's earnings presentation, 2025
Slide 1: BRAC Bank PLC. Earnings Disclosure H1'25 (Unaudited)
BRAC BANK PLC. Earnings Disclosure H1’25 (Unaudited)
Slide 2: Opening Statement
Opening Statement Dear Viewers, This is a live webcast in our earnings disclosure portal. The link of which has been shared with all relevant stakeholders through press advertisement, website post and Facebook post. We are also live with this presentation on our Facebook page.
Slide 3: Forward Looking Statements
Forward Looking Statements This presentation and accompanying oral remarks may contain or incorporate by reference “forward looking statements” regarding the belief or current expectations of BRAC Bank Ltd., the Board of the Directors and other members of its Senior Management about the strategy, bu
Slide 4: Contents
Contents Economic Outlook and Market Update Business Highlights SME Corporate & Institutional Banking Retail Branch Network Risk Management Division Sustainable Finance Overview Financial Updates bKash Update Q&A 4
Slide 5: Economic Outlook & Market Update
Economic Outlook & Market Update
Slide 6: Bangladesh Economic Update
Bangladesh Economic Update 63.2 64.3 FY-24 FY-25 Volume ($ Bn) Recent Developments 40.8 44.0 Source: BB, BBS 30.3 26.7 23.9 21.7 • Monetary Policy will continue to 0.1 3.4 remain contractionary till H1’26. (6.6) (4.3) (22.4)(20.4) • Bangladesh Bank will lower the policy Export Import Trade Balance R
Slide 7: Bangladesh Economic Update
Bangladesh Economic Update BD Govt. ADB IMF WB Bangladesh GDP Growth Outlook Source: BB, ADB, IMF & WB Respective Database 7.9% 7.3% 7.1% 6.9% 5.8% 5.5% 5.8% 5.4% 5.4% 4.0% 5.1% 3.5% FY'18 FY'19 FY'20 FY'21 FY'22 FY'23 FY'24 FY'25 FY'26 Policy Rate Remains Unchanged Inflation Policy Rate 364-Bill Ra
Slide 8: Market Share
Market Share Loans Deposits 4.05% 4.15% 3.88% 3.33% 2.91% 3.72% 3.66% 3.72% 2.47% 2.56% 2.60% 2.32% 2.34% 2.41% 2.43% 3.11% 2.58% 2.36% 2.24% 2.23% 2.04% 2.14% 1.97% 1.98% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q1'25 Q2'25 8
Slide 9: SME Banking Division Updates
SME Banking Division Updates
Slide 10: Business Highlights H1'25 - SME
Business Highlights H1’25 - SME YoY (Jun'25 vs Jun'24) Jun'25 vs Dec'24 Customer Number ▲24% (734k vs. 592k) ▲11% (734k vs. 661k) Deposits Deposits ▲42% ▲17% (33%)* CASA Mix ▼44% from 54% ▼44% from 46% CoD ▲5.35% from 3.97% ▲5.35% from 4.53% Assets Portfolio ▲14% ▲2% (4%)* Yield ▲12.23% from 9.49% ▲
Slide 11: Corporate & Institutional Banking Division Updates
Corporate & Institutional Banking Division Updates
Slide 12: Business Highlights H1'25 - Corporate & Institutional Banking
Business Highlights H1’25 - Corporate & Institutional Banking YoY (Jun'25 vs Jun'24) Jun'25 vs Dec'24 Deposits Deposits ▲20% ▲11% (23%)* CASA Mix ▼50% from 53% ▲ 52% from 51% CoD ▲7.40% from 5.65% ▲7.40% from 6.22% Assets Portfolio ▲12% ▲2% (3%)* Yield ▲9.42% from 8.65% ▲9.42% from 9.12% New Limit ▲
Slide 13: Retail Banking Division Updates
Retail Banking Division Updates
Slide 14: Business Highlights H1'25 - Retail
Business Highlights H1’25 - Retail YoY (Jun'25 vs Jun'24) Jun'25 vs Dec'24 Customer Number ▲1% (1,421k vs. 1,402k) ▲4% (1,421k vs. 1,361k) Tail management- 196k customers Deposits Deposits ▲38% ▲15% (30%)* CASA Mix ▼34% from 36% ▼34% from 35% CoD ▲6.42% from 5.28% ▲6.42% from 5.68% Assets Portfolio
Slide 15: Branch Network Highlights
MABRAC BANK Nomar \onratber Branch Network Highlights Ps
Slide 16: Business Highlights – Branch Network
Business Highlights – Branch Network 8,985 5,654 137K 99K 1,044 617 6.2K 4.2k H1’25 H1’24 H1’25 H1’24 H1’25 H1’24 H1’25 H1’24 Deposit Net Growth New Relationship Asset disbursement Credit Card (Primary) (BDT Cr) Onboarded (BDT Cr) Issuance Growth Drivers Network Expansion Pilot ‘Digital First’ Branc
Slide 17: Risk Management Division
Risk Management Division >
Slide 18: Risk Management: NPL & PAR movement
Risk Management: NPL & PAR movement BDT’ Cr (10 Mn) 30-DPD PAR NPL NPL % 30-DPD PAR % 6.13% 6.35% 8.00% 5.03% 4,500 5.00% 7.00% 4.82% 4.52% 4.86% 4.32% 4.02% 4.23% 6.00% 4.00% 3.43% 5.00% 3.90% 4,000 4.00% 3.60% 3.72% 4.00% 3.00% 3,500 3.38% 3.37% 2.00% 3.10% 3.13% 1.00% 2.90% 0.00% 3,000 2.63% 2,72
Slide 19: Credit Risk Management – Highlights
Credit Risk Management – Highlights Stressed Portfolio Trend NPL Coverage & Credit Cost Non-performing loans Performing Rescheduled Loans Pandemic-related Restructured Loans 8.20% 6.02% 3.60% 4.68% 1.60% 3.90% 0.70% 0.70% 0.70% 3.64% 0.60% 3.13% 0.53% 0.51% 0.50% 3.90% 3.72% 3.38% 3.37% 2.63% 3.13%
Slide 20: Sustainable Finance Overview
Sustainable Finance Overview
Slide 21: Sustainable Finance Portfolio
Sustainable Finance Portfolio Portfolio of Green Finance Portfolio in 2023 6,561 Cr 20% Portfolio in 2024 8,956 Cr 24% We were honoured with Awarded as one of the top Published Sustainability Report Portfolio in H1’25 7,876 Cr 20% recognition from Bloomberg as sustainable banks in the country 2024 w
Slide 22: Financial Updates
Financial Updates [>
Slide 23: Strong Results Supported by B/S Growth
Strong Results Supported by B/S Growth • Customer numbers grew by: • 7% or 134k (Retail: 60k; SME: 73k & C&IB: 485) | Over 2,200 new addition per day • Strong Balance Sheet growth continues: • Deposit grew @ 2X of market (13% vs. 6%) - market share increased by 28bps during H1’25 to reach 4.15% • Lo
Slide 24: Customer Deposits (EOP)
24 Customer Deposits (EOP) BDT ‘000 Cr (10 Bn) BBL SME Retail Corporate YoY Growth 33% 42% 38% 20% 76 37 17 23 58 26 19 12 21 43 18 14 34 8 6 10 H1'22 H1'23 H1'24 H1'25 H1'22 H1'23 H1'24 H1'25 H1'22 H1'23 H1'24 H1'25 H1'22 H1'23 H1'24 H1'25 Growth driven by all segments – aligned to strategy
Slide 25: Segmental Customer Deposits Mix (EOP)
25 Segmental Customer Deposits Mix (EOP) BDT Cr (10 Mn) SME Retail Corporate H1'25 16,677 H1'24 22% H1'23 11,721 20% 7,747, 76,328 36,508 18% 48% 23,144 57,511 30% 21,058, 42,980 26,483 49% 46% 19,307 14,175, 34% 33%
Slide 26: CASA-TD Mix: H1'25
CASA-TD Mix: H1’25 BDT Cr (10 Mn) Current Savings Term H1'25 H1'24 H1'23 15% CASA 59% 16% 41% 19% CASA 53% CASA 26% 49% 47% 51% 31% 32% 26
Slide 27: Loans & Advances (EOP)
Loans & Advances (EOP) BDT ‘000 Cr (10 Bn) As per BB BBL SME Retail Corporate YoY Growth 15% 18% 28% 8% 28 64 24 25 56 24 21 11 47 17 9 8 17 37 8 13 H1'22 H1'23 H1'24 H1'25 H1'22 H1'23 H1'24 H1'25 H1'22 H1'23 H1'24 H1'25 H1'22 H1'23 H1'24 H1'25 Growth continued in all segments – aligned to strategy
Slide 28: Segmental Loans Mix (EOP)
Segmental Loans Mix (EOP) BDT Cr (10 Mn) As per BB. SME Retail Corporate H1'25 H1'24 25,479 H1'23 40% 23,518 42% 64,483 17,389 27,964 37% 43% 55,935 47,089 23,774 11,040 21,481 43% 17% 46% 8,219 8,643 17% 15% 28
Slide 29: Standalone Performance H1'25
Standalone Performance H1’25 BDT Cr unless stated otherwise Customer Deposits BDT 000’ Cr Yield 1.27%▲ CoD 0.79%▲ Customer Loans BDT 000’ Cr 10.95% 9.67% 6.39% 5.60% H1’25 2024 H1’25 2024 71.9 76.3 64.5 61.6 66.9 Spread 0.48%▲ CASA Mix 2%▼ 62.3 62.4 57.5 28%* 7%* 4.55% 4.07% 40% 42% 55.9 57.4 H1’25
Slide 30: Consolidated Performance H1'25
Consolidated Performance H1’25 BDT Cr unless stated otherwise Deposits BDT 000’ Cr Loans BDT 000’ Cr 87.3 87.4 64.5 77.7 62.4 62.5 72.3 67.1 25%* 7%* Total Asset BDT 000’ Cr 57.4 56.0 117.1 117.2 30% 105.7 15% 94.1 99.6 22%* Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 25% Revenue 29%
Slide 31: Balance Sheet – Solo H1'25
Balance Sheet – Solo H1’25 BDT Cr Particulars Jun'25 Dec'24 Δ Amt Δ% Jun'24 Δ Amt Δ% Cash and bank balances 4,788 5,152 (364) -7% 5,721 (933) -16% Money at call and short notice - 75 (75) -100% - - 0% Investments 28,606 20,435 8,171 40% 16,102 12,505 78% Loans and advances 64,483 62,337 2,146 3% 55,
Slide 32: Balance Sheet – Consolidated H1'25
Balance Sheet – Consolidated H1’25 BDT Cr Particulars Jun'25 Dec'24 Δ Amt Δ% Jun'24 Δ Amt Δ% Cash and bank balances 7,380 7,812 (431) -6% 8,717 (1,337) -15% Money at call and short notice - 75 (75) -100% - - 0% Investments 38,903 29,796 9,108 31% 24,018 14,886 62% Loans and advances 64,529 62,385 2,
Slide 33: P&L – Solo H1'25
P&L – Solo H1’25 BDT Cr Particulars H1'25 H1'24 Δ Amt Δ% Net interest income 639 710 (71) -10% Investment income 1,534 877 657 75% Commission, exchange and brokerage 389 465 (75) -16% Other operating income 14 10 4 44% Total operating income 2,576 2,061 515 25% Staff Cost 695 557 138 25% Other Opera
Slide 34: P&L – Consolidated H1'25
P&L – Consolidated H1’25 BDT Cr Particulars H1'25 H1'24 Δ Amt Δ% Net interest income 817 863 (46) -5% Investment income 2,044 1,192 853 72% Commission, exchange and brokerage 1,009 941 68 7% Other operating income 15 10 5 44% Total operating income 3,886 3,006 880 29% Staff Cost 1,017 833 184 22% Ot
Slide 35: CONSO Financials with each company's contribution H1'25
CONSO Financials with each company’s contribution H1’25 BDT Cr H1’25 H1’24 ∆ Amt Subsidiary PAT BBL’s Share in PAT BBL’s Share in PAT BBL’s Share in PAT PAT PAT BRAC EPL Investments Limited (16) (16) (22) (22) 6 6 BRAC EPL Stock Brokerage Limited 0.1 0.1 (9) (8) 9 8 BRAC SAAJAN Exchange Limited (7)
Slide 36: bKash Updates
bKash Updates
Slide 37: bKash: Key Matrices
aN bKash: Key Matrices Total Customers (Mn) Active Customers (Mn) Market share in Tnx. Vol 81.0 20%4 79.4 45.0 50% 43.0 80.6% 15%4 65.3% H1'25 FY'24 H'25 FY'24 XZ H1'25 FY'24 Merchants (EOP) Avg. Monthly Tnx Vol (BDT Bn) Agents (EOP) Ld oO 890.9K 01% 889.6K 7 1,118.9 28%4 873.4 372.5k 7.0%a 347.4 =
Slide 38: Subsidiary Financials - bKash Limited: H1'25
Subsidiary Financials - bKash Limited: H1’25 BDT Cr (10 Mn) Particulars H1'25 H1'24 Δ Amt Δ % over H1'24 Gross revenue 3,631 2,794 838 30% VAT 426 332 94 28% Revenue 3,206 2,462 744 30% Cost of services 2,041 1,619 422 26% Gross profit 1,165 843 322 38% Operating and administrative expenses 630 522
Slide 39: Q&A
Q&A
Slide 40: Thank You
Thank You For any queries, please write to us on [email protected] Sustainability Report Unaudited Financial 2024 Statements H1’25