At a Glance

BRAC Bank is a performance-driven organization, where values are at the heart of every endeavor.

Founded in 2001 with the vision of serving the ‘unbanked’ small and medium entrepreneurs, BRAC Bank drew inspiration from its parent organization BRAC – the world’s largest NGO. Breaking away from the conventions of traditional banking, the bank pioneered small-ticket loans for the SME sector, bringing grassroots entrepreneurs into the formal banking system. Today, close to half of the bank’s lending portfolio is dedicated to SMEs, cementing its role as a catalyst for inclusive economic growth.

From the outset, BRAC Bank recognized the SME sector’s untapped potential in driving growth and creating employment. At a time when financing for these enterprises was virtually inaccessible in Bangladesh, the bank stepped in to fill the gap, transforming lives and livelihoods across the country.

BRAC Bank is the only Bangladeshi member of the Global Alliance for Banking on Values (GABV) – a network of 70 financial institutions across 45 countries in Asia, Africa, Australia, Latin America, North America and Europe. Collectively, GABV members serve more than 60 million customers, manage USD 200 billion in assets, and employ over 80,000 people worldwide.

Guided by the 3P Philosophy – People, Planet, and Prosperity – BRAC Bank embraces its responsibility towards the communities it serves and the environment it operates in. As a mission-driven bank, it remains committed to advancing the welfare of people and society while delivering sustainable financial solutions.

BRAC BANK YTD June 2025






BDT 6,202 Mn

PROFIT AFTER TAX





BDT 779,948 Mn

TOTAL DEPOSITS





BDT 644,830 Mn

TOTAL LOANS & ADVANCES






BDT 41.23

NET ASSET VALUE (NAV)
PER SHARE





BDT 3.12

EARNINGS PER SHARE
(EPS)





BDT 39.26

NET OPERATING CASH
FLOW PER SHARE (NOCFPS)






15.71%

RETURN ON EQUITY (ROE)





1.26%

RETURN ON ASSETS (ROA)





BDT 100,940 Mn

MARKET CAPITALIZATION






14.50%

CAPITAL TO RISK-
WEIGHTED ASSET RATIO





3.37%

NON-PERFORMING LOANS
(NPL)





108%

NPL COVERAGE RATIO
(INCL. GP)




AAA

Credit Rating Agency of
Bangladesh (CRAB)


B+

S&P GLOBAL RATINGS


B2

MOODY'S INVESTORS
SERVICE



326

ATMs


66

RCDMs


80

CRMs



191

BRANCHES

87

SUB-BRANCHES

1,118

AGENT BANKING OUTLETS

446

SME UNIT OFFICES


N.B.: Information is as of June 30, 2025 as per Half-yearly unaudited Financial Statements.



BRAC Bank has become the first Bangladeshi Bank to be rated the best by the top domestic credit rating agency in Bangladesh (CRAB: AAA/ST-1) and two of the world's leading credit rating agencies (S&P Global Ratings: B+ and Moody's Investor Service: B2) – portraying quality portfolio, higher capital base, stability and steady growth trends.

Corporate Vision, Mission & Values

CORPORATE VISION

Building a profitable and socially responsible financial institution focused on market and business with growth potential, thereby assisting BRAC and its stakeholders to build a just, enlightened, healthy democratic and poverty free Bangladesh.

Corporate Mission

  • Sustainable growth in Small & Medium Enterprise sector;
  • Continuous low-cost deposit Growth with controlled growth in retail assets;
  • Corporate Assets to be funded through self-liability mobilization;
  • Growth in Assets through syndications and investment in faster growing sectors;
  • Continuous endeavor to increase non-funded income;
  • Keep our debt charges at 2% to maintain a steady profitable growth
  • Achieve efficient synergies between the bank's branches, SME unit offices and BRAC field offices for delivery of remittance and the bank's other products and services;
  • Manage various lines of business in a full controlled environment with no compromise compliance and on service quality;
  • Keep a diverse, far flung team fully motivated and driven towards materializing the bank's vision into reality

Achievements and Recognitions

  • Our Pretigious Awards
  • US$ 1 billion market capitalization in the capital market
  • Asiamoney's “Best Bank for SMEs” 2017
  • SAFA Awards for the Best Presented Annual Report 2016
  • ICMAB Best Corporate Awards 2016
  • ICAB Best Published Annual Reports 2016 Awards for Private Sector Banks
  • Asian Development Bank's “Most Progressive Bank on Gender Strategy and Implementation 2017”
  • Women's Market Champion Award from the Global Banking Alliance for Women (GBA)
  • ISO Certification in Information Security

SHAREHOLDING STRUCTURE OF BRAC BANK PLC.

SL. No.

Name

Sponsors/Others

No. of shares held as on 31.08.2025

% Paid-up Shares

1

BRAC

Sponsor

919,111,744

46.165%

2

Late Sir Fazle Hasan Abed, KCMG

Sponsor

19,543

0.001%

3

Late A. S. Mahmud

Sponsor

16,345

0.001%

4

Dr. Saleh Uddin Ahmed

Sponsor

13,426

0.001%

5

Mr. Meheriar M Hasan, Chairperson

(Nominated by BRAC)

Director

Nil

Nil

6

Mr. Faruq Mayeenuddin Ahmed, Vice Chairperson

Independent Director

Nil

Nil

7

Ms. Farzana Ahmed

Independent Director

Nil

Nil

8

Dr. Zahid Hussain

Independent Director

Nil

Nil

9

Mr. Salek Ahmed Abul Masrur

Independent Director

Nil

Nil

10

Ms. Anita Ghazi Rahman

Independent Director

Nil

Nil

11

Mr. Chowdhury MAQ Sarwar

Independent Director

Nil

Nil

12

Ms. Lila Rashid

Independent Director

Nil

Nil

13

General public, institute and foreign

Other than sponsor

1,071,765,109

53.832%

Total shares

1,990,926,167

100%

Board of Directors

MEHERIAR M. HASAN , Chairperson

FARUQ MAYEENUDDIN AHMED , VICE-CHAIRPERSON

Farzana Ahmed , Independent Director

Dr. Zahid Hussain , Independent Director

SALEK AHMED ABUL MASRUR , INDEPENDENT DIRECTOR

Ms. Anita Ghazi Rahman , INDEPENDENT DIRECTOR

Chowdhury MAQ Sarwar , INDEPENDENT DIRECTOR

Lila_Rashid

Ms. Lila Rashid , INDEPENDENT DIRECTOR

Tareq Refat Ullah Khan, Managing Director and CEO

Management Committee

Tareq Refat Ullah Khan,
Managing Director and CEO

Syed Abdul Momen
Additional Managing Director and Head of SME Banking

M. Masud Rana FCA
Additional Managing Director & CFO

Md Sabbir Hossain
Deputy Managing Director and COO

Md. Shaheen Iqbal, CFA
DEPUTY MANAGING DIRECTOR AND HEAD OF TREASURY & FINANCIAL INSTITUTIONS.

Md. Mahiul Islam
Deputy Managing Director & Head of Retail Banking

Ahmed Rashid Joy
Deputy Managing Director and Chief Risk Officer

Chowdhury Moinul Islam
Deputy Managing Director and CAMLCO

Sheikh Mohammad Ashfaque
Deputy Managing Director & Head of Branches

Nazmur Rahim
Deputy Managing Director & Head of Alternate Banking Channels

Md. Muniruzzaman Molla
Deputy Managing Director & Head of Operations

Abdullah Al Mamun
Deputy Managing Director and Head of Internal Control and Compliance

M Sarwar Ahmed
Head of Monitoring

Nurun Nahar Begum
Chief Technology Officer

BRIGADIER GENERAL MD. AMIN AKBAR (RETD.)
HEAD OF GENERAL SERVICES

Barrister Rasheed Ahmed
Chief Legal Officer

Md. Mokerrobin Mannan
Chief Digital Officer

Ekram Kabir
Head of Communications

Indraneel Chattopadhyay
Chief Marketing Officer

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