Annual Report

SL. No. Year Title Download
1 2018 Annual Report 2018 Download
2 2017 Annual Report 2017 Download
3 2016 Annual Report 2016 Download
4 2015 Annual Report 2015 Download
5 2014 Annual Report 2014 Download
6 2013 Annual Report 2013 Download
7 2012 Annual Report 2012 Download
8 2011 Annual Report 2011 Download
9 2010 Annual Report 2010 Download
10 2009 Annual Report 2009 Download
11 2008 Annual Report 2008 Download

Financial Statements

Year Financial Statement for Download
2019 BRAC Bank Financial Statements for the period ended on September 30, 2019 Download
2019 Half Yearly Condensed Interim Financial Report 2019 Download
2019 1st Quarter Un-audited Financial Statements 2019 Download
2018 Financial Statement 2018 Download
2018 Half Yearly Condensed Interim Financial Report 2018 Download
2018 Consolidated Financial Statements as at March 31, 2018 Download
2017 Financial Statement 2017 Download
2017 Consolidated Financial Statements as at September 30, 2017 Download
2017 Half Yearly Condensed Interim Financial Report 2017 Download
2017 1st Quarter Un-audited Financial Statements 2017 Download
2016 Financial Statement 2016 Download
2016 3rd Quarter Financial Statement 2016 Download
2016 Audited Half Yearly Financial Statement 2016 Download
2016 Unaudited Half Yearly Financial Statement 2016 Download
2016 1st Quarter Financial Statement 2016 Download
2015 Financial Statement 2015 Download
2015 3rd Quarter Financial Statement 2015 Download
2015 Half Yearly Financial Statement 2015 Download
2015 1st Quarter Financial Statement 2015 Download
2014 Financial Statement 2014 Download
2014 3rd Quarter Financial Statement 2014 Download
2014 Half Yearly Financial Statement 2014 Download
2014 1st Quarter Financial Statement 2014 Download
2013 Financial Statement 2013 Download
2013 3rd Quarter Financial Statement 2013 Download
2013 Half Yearly Financial Statement 2013 Download
2013 1st Quarter Financial Statement 2013 Download
2012 Financial Statement 2012 Download
2012 3rd Quarter Financial Statement 2012 Download
2012 Half Yearly Financial Statement 2012 Download
2012 Financial Statement for the period ended March 2012 (Unaudited) Download
2011 Financial Statement 2011 Download
2011 3rd Quarter Financial Statement 2011 Download
2011 Half Yearly Financial Statement 2011 Download
2011 Quarterly Financial Statement as on 31 March 2011 (Unaudited) Download
2010 Financial Statement 2010 Download
2010 Unaudited Financial Statements (For March Quarter) Download
2009 Financial Statement 2009 Download
2009 Quarterly Financial Statement as on 30 September 2009 (Unaudited) Download
2009 Half Yearly Financial Statement as on 30 June 2009 (Unaudited) Download
2008 Financial Statement 2008 Download
2007 Financial Statement 2007 Download
2007 Balance Sheet as on 31 December 2007 Download
2007 Profit and Loss Account as on 31 December 2007 Download
2007 Auditor's Report as on 31 December 2007 Download
2007 Notes to the Financial Statements as on 31 December 2007 Download
2007 Balance Sheet as on 31 December 2006 Download
2006 Financial Statement 2006 Download
2006 Profit and Loss Account as on 31 December 2006 Download
2006 Auditor's Report as on 31 December 2006 Download
2006 Notes to the Financial Statements as on 31 December 2006 Download
2005 Financial Statement 2005 Download
2005 Balance Sheet as on 31 December 2005 Download
2005 Profit and Loss Account as on 31 December 2005 Download
2005 Auditor's Report as on 31 December 2005 Download
2005 Notes to the Financial Statements as on 31 December 2005 Download
2004 Financial Statement 2004 Download
2004 Balance Sheet as on 31 December 2004 Download
2004 Profit and Loss Account as on 31 December 2004 Download
2003 Financial Statement 2003 Download
2002 Financial Statement 2002 Download
2001 Financial Statement 2001 Download

Report and Financial Statements of Subsidiaries

Year Audited/Un-audited Financial Statements of Subsidiaries Download
2019 BRAC EPL Stock Brokerage Ltd - for the period ended on September 30, 2019 Download
2019 BRAC EPL Investments Ltd - for the period ended on September 30, 2019 Download
2019 bKash Limited - for the period ended on September 30, 2019 Download
2019 BRAC Saajan Exchange Ltd - for the period ended on September 30, 2019 Download
2019 BRAC Saajan Exchange Ltd -Condensed Financial Statements for the period ended June 30, 2019 Download
2019 bKash Limited-Interim Condensed Financial Statements un-audited for the period ended June 30, 2019 Download
2019 BRAC EPL Investments Ltd -Financial Statements for the period ended June 30, 2019 Download
2019 BRAC EPL Stock Brokerage Ltd-Financial Statements for the period ended June 30, 2019 Download
2019 bKash Limited- for the period ended on March 31, 2019 Download
2019 BRAC EPL Stock Brokerage Limited- for the period ended on March 31, 2019 Download
2019 BRAC Saajan Exchange Limited- for the period ended on March 31, 2019 Download
2019 BRAC EPL Investments Limited- for the period ended on March 31, 2019 Download
2018 bKash Limited - Financial Statements for the period ended on December 31, 2018 Download
2018 BRAC Saajan Exchange Limited - Financial Statements for the period ended on December 31, 2018 Download
2018 BRAC EPL Stock Limited - Financial Statements for the period ended on December 31, 2018 Download
2018 BRAC EPL Investments Limited - Financial Statements for the period ended on December 31, 2018 Download
2018 BRAC EPL Stock Brokerage Limited - for the period ended on June 30, 2018 Download
2018 BRAC Saajan Exchange Ltd - for the period ended on June 30, 2018 Download
2018 bKash Limited - for the period ended on June 30, 2018 Download
2018 BRAC EPL Investments Ltd - for the period ended on June 30, 2018. Download
2018 bKash Limited - for the period ended on March 31, 2018 Download
2018 BRAC EPL Investments Ltd - for the period ended on March 31, 2018 Download
2018 BRAC EPL Stock Brokerage Limited - for the period ended on March 31, 2018 Download
2018 BRAC Saajan Exchange Ltd - for the period ended on March 31, 2018 Download
2017 bKash Limited - Financial Statements for the period ended on December 31, 2017 Download
2017 BRAC EPL Stock Brokerage Limited - for the period ended on December 31, 2017 Download
2017 BRAC EPL Investments Limited - for the period ended on December 31, 2017 Download
2017 BRAC Saajan Exchange Limited - for the period ended on December 31, 2017 Download
2017 bKash Limited - Financial Statements for the period ended on September 30, 2017 Download
2017 BRAC EPL Stock Brokerage Limited - for the period ended on September 30, 2017 Download
2017 BRAC EPL Investments Limited - for the period ended on September 30, 2017 Download
2017 BRAC Saajan Exchange Limited - for the period ended on September 30, 2017 Download
2017 BRAC IT Service Limited - for the period ended on September 30, 2017 Download
2017 bKash Limited - Financial Statements for the period ended on June 30, 2017 Download
2017 BRAC EPL Stock Brokerage Limited - Financial Statements for the period ended on June 30, 2017 Download
2017 BRAC EPL Investments Limited - Financial Statements for the period ended on June 30, 2017 Download
2017 BRAC Saajan Exchange Limited - Financial Statements for the period ended on June 30, 2017 Download
2017 BRAC IT Services Limited (biTS) - Financial Statements for the period ended on June 30, 2017 Download
2016 bKash Limited Download
2016 BRAC EPL Stock Brokerage Limited Download
2016 BRAC IT Services Limited (biTS) Download
2016 BRAC Saajan Exchange Limited Download
2016 BRAC EPL Investments Limited Download
2015 biTS Signed Audit Report Download
2015 bKash Limited 2015 (Signed Financials) Download
2015 BRAC EPL Investment Download
2015 EPL Stock Brokerage Ltd. Download
2015 BSEL Audit report 2015_Signed Download

Price Sensitive Information

Date Title Download
22 July, 2019 Price Sensative Information Download
09 October, 2017 Price Sensative Information Download
30 July, 2017 Price Sensative Information Download
08 May, 2017 Disclosure Relating to First Quarter (Q1) Financial Statements (Un-audited) Download
28 March, 2017 Notice of the Eighteenth Annual General Meeting Download
20 March, 2017 Price Sensative Information Download
09 May, 2016 Notice of Seventeenth Annual General Meeting Download
09 May, 2016 Price Sensative Information Download
20 April, 2016 Price Sensative Information Download
29 November, 2015 Bond Conversion Form Download
15 April, 2015 Notice Bond Download
31 March, 2015 Notice of Sixteenth Annual General Meeting Download
16 March, 2015 Price Sensative Information Download
15 April, 2013 Price Sensative Information Download
25 March, 2013 Price Sensative Information Download
25 March, 2013 Notice Download
24 September, 2012 Notice Download
30 June, 2012 Dispatch of Half Yearly Financial Statements 2012 Download
21 June, 2012 Price Sensative Information Download
24 May, 2012 Credit Rating Report Download
17 May, 2012 Price Sensative Information Download
5 March, 2012 13th Annual General Meeting Download
22 February, 2012 Price Sensative Information Download
15 October, 2011 Notice for interest of Subordinated 25% Convertible bonds Download
26 September, 2011 Notice of the Eighth Extra-Ordinary General Meeting Download
19 September, 2011 Price Sensative Information Download
19 September, 2011 Notice Download
05 July, 2011 Price Sensative Information Download
21 April, 2011 Distribution of Dividend Warrants Download
31 March, 2011 Distributor of Bonus Shares Download
24 March, 2011 Price Sensative Information Download
21 March, 2011 Record Date of Subordinated 25 percent convertible Bond Download

Disclosure on Risk Based Capital (Basel III)

SL. No. Year Title Download
1 2018 Disclosure on Risk Based Capital (Basel III) 2018 Download
1 2017 Disclosure on Risk Based Capital (Basel III) 2017 Download
2 2016 Disclosure on Risk Based Capital (Basel III) 2016 Download
3 2015 Disclosure on Risk Based Capital (Basel III) 2015 Download
4 2014 Disclosure on Risk Based Capital (Basel III) 2014 Download
5 2013 Disclosure on Risk Based Capital (Basel III) 2013 Download
6 2012 Disclosure on Risk Based Capital (Basel III) 2012 Download
7 2011 Disclosure on Risk Based Capital (Basel III) 2011 Download
8 2010 Disclosure on Risk Based Capital (Basel III) 2010 Download

Disclosures on Green Banking

SL. No. Title Download
1 Disclosures on Green banking 2018 Download
2 Disclosures on Green banking 2017 Download
3 Disclosures on Green banking 2016 Download
4 Disclosures on Green banking 2015 Download
5 Disclosures on Green banking 2014 Download
6 Disclosures on Green banking 2013 Download
7 Disclosures on Green banking 2012 Download

Disclosure of Anti Money Laundering Policy

The Board Directors of BRAC Bank views money laundering prevention as an integral part of the Bank's risk management strategy and not simply as a stand alone requirement that is being imposed by the legislation. Money laundering prevention is not viewed in isolation from Bank's other business systems and needs.

In recognition of the fact that financial institutions are particularly vulnerable to money launderers the BRAC Bank Board has developed a policy against which it will assess the adequacy of the internal controls and procedures to counter money laundering.

The policy reflects the Board of Directors commitment to comply with the Money laundering Prevention Act 2002, Bangladesh Bank Instructions and other related local and international regulations. It spells out senior management's responsibility in Anti Money Laundering Compliance and develops awareness at all levels of the Bank regarding the importance of the Bank's Anti Money Laundering Strategy.

The policy includes the development of

  • KYC policy /procedures before opening new accounts
  • Monitoring existing accounts for unusual or suspicious activities
  • Information flows
  • Risk classification
  • Reporting suspicious transactions
  • Hiring and training employees

It includes a description of the roles of the Anti Money Laundering Compliance Officers. It also emphasizes the responsibility of every employee to protect the Bank from exploitation by money launderers and describing the consequence of non-compliance with the applicable laws and the Bank's policy, including the criminal, civil and disciplinary penalties and reputation harm that could ensue from any association with money laundering activity.

The Board of Directors has approved a KYC policy for the Bank. The guiding principle of KYC is - Do business with reputable customers who are involved in legitimate business activities and whose income and wealth are derived from legitimate business.

The KYC policy includes the following

  • Customer Acceptance criterion- Interview the customer by Bank Official and review of customer background, profession etc.
  • Customer Rejection Criterion- Interview the customer by Bank Official and review of customer background, profession etc.
  • Documents required for Individual /Corporate Account Open -for identification the customer
  • Address Verification-supporting documents or physical verification
  • Transaction Profile etc.-Based on customer source of income

For monitoring the customer transaction and reporting to the concerned department designated officials are assigned as follows:

  • Branch Anti Money Laundering Compliance Officer (BAMLCO): at Branch for reporting head office
  • Chief Anti Money Laundering Compliance Officer (CAMLCO): at Head Office for reporting to Bangladesh Bank

The Monitoring Systems

  • Cash transaction amounting BDT 3.00 lac and above (System generated report) is reviewed by BAMLCO daily
  • Transaction amount exceeding Estimated Transaction Profile (System generated report) is reviewed by BAMLCO monthly

Reporting System

  • If any transaction/customer activity is detected as suspicious or unusual the detecting officer reports it to BAMLCO with reason for suspicion
  • BAMLCO will review the suspicious report and put his/her comment. If s/he (BAMLCO) deems it as a suspicious s/he will forward to CAMLCO with his/her comment
  • CAMLCO will review the report forwarded by BAMLCO and put his/her comment. If s/he (CAMLCO) deems it as a suspicious s/he will forward to Bangladesh Bank (Central Bank) with his/her comment

Periodical Return

In addition to the immediate report of suspicious transactions, the following returns are to be submitted to Bangladesh Bank:

  • Monthly: Cash Transaction Report (CTR) amounting BDT 5.00 lac or more in a day Suspicious Transaction Report(STR) from CTR
  • Bi monthly: Transaction Amount BDT 1.00 crore or above in Non Resident Account in a period of 6 months (Statement-2) Significant Unusual Transaction Report (Statement-3)
  • Quarterly: Consolidated statement for the reports during the quarter (Appendix Gha: ML Circular -2)

BRAC Bank Unveils Report on Impact of Credit on SME Borrowers of BRAC Bank

BRAC Bank is a distinctive bank that works for promoting small and medium enterprises (SMEs), especially small enterprises, who are the missing middle in the credit market and one of the key drivers for the growth of our economy.

Being pioneer in SME credit, BRAC Bank undertook a longitudinal study to assess the impact of its credit program on the sustainability (dimensions: financial, economic, social & environmental) of SME borrowers of the country. To determine and validate the different dimensions of impact, a common set of indicators were identified and used throughout the study. The panel study was conducted in three independent rounds over randomly chosen borrowers. First round was conducted in 2011, second round in 2012 and the third one in 2013. Standard statistical tools for impact evaluation to deal with both panel and cross-sectional data were applied in the study to compare the conditions of first time (control) borrowers with the repeat (treated) borrowers. Besides, the first round was coauthored, and the subsequent two rounds of the panel study were reviewed and validated by Centre for Corporate Governance and Finance Studies, a think tank of University of Dhaka.

Based on the analysis, a number of significant positive impacts were we found on the panel borrowers as a result of financing from BRAC Bank. Panel borrowers were found to be better off in terms of their growth in business size, sales and its growth, profitability and reduced debt burden. There had also been positive economic and environmental impacts for the panel borrowers. Borrowers’ social engagement also improved due to repeated financing from BRAC Bank.

To go through the final report, please follow the link.

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