Earnings Disclosure Q3 2017

26th October 2017

 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, businesses
and performance of the Company and its subsidiaries and the other matters described in this document. Generally, words such as may,
could, will, expect, intend, estimate, anticipate, believe, plan, seek, continue or similar expressions are intended to
identify forward looking statements.

Forward looking statements involve inherent risks and uncertainties. They are not guarantees of future performance and actual results could
differ materially from those contained in the forward looking statements. Recipients should not place reliance on, and are cautioned about relying
on, any forward looking statements. Forward looking statements are based on current views, estimates and assumptions and involve known and
unknown risks, uncertainties and other factors, many of which are outside the control of the Group and are difficult to predict. Such risks, factors
and uncertainties may cause actual results to differ materially from any future results or developments expressed or implied from the forward-
looking statements.

No statement in this document is intended to be a profit forecast or to imply that the earnings of BRAC Bank Ltd. and/or its subsidiaries for the
current year or future years will necessarily match or exceed the historical or published earnings of the Company and/or its subsidiaries. Each
forward looking statement speaks only as of the date of the particular statement. Except as required by any applicable law or regulations, the
BRAC Bank Ltd. expressly disclaims any obligation or undertaking to release publicly or make any updates or revisions to any forward looking
statement contained herein whether as a result of new information, future events or otherwise.

Important notice
Nothing in this document shall constitute, in any jurisdiction, an offer or solicitation to sell or purchase any securities or other financial
instruments, nor shall it constitute a recommendation or advice in respect of any securities or other financial instruments or any other matter.
 Consolidated Performance YTD Sept - 17 vs 16
PAT 50%
Loans & Advances Growth Profit After Tax EPS
(BDT Cr.) (BDT)
EoP 21%, Avg 19% 397
4.42

266 3.02
Deposit Growth

EoP 28% Avg 27%

Asset Quality YTD'16 YTD'17 YTD'16 YTD'17

NPL 4.3% (Sept16: 4.1%) ROA* ROE*

PAR 6.2% (Sept16: 7.2%) 1.88%
21.15%
1.63%
18.32%
Margin 6.7% (YTD16: 7.2%)
CIR 60.9% (YTD16: 57.2%)
(restated for reclassification)
CIR YTD16 (Reported): 54.3%
Dec-16 YTD'17 Dec-16 YTD'17

* Annualized

3
 Solo Performance YTD Sept - 17 vs 16
PAT 25%
Loans & Advances Growth Profit After Tax EPS
(BDT Cr.) (BDT)
EoP 22%, Avg 20% 376 4.39
301 3.53

Deposit Growth

EoP 24% Avg 20%

YTD'16 YTD'17 YTD'16 YTD'17

Asset Quality
NPL 4.3% (Sept16: 4.1%) ROA* ROE*
PAR 6.2% (Sept16: 7.2%) 1.89% 1.93% 22.16%
21.80%

Margin 6.7% (YTD16: 7.2%)

CIR 52.8% (YTD16: 49.7%)
(restated for reclassification)
CIR YTD16 (Reported): 46.5% Dec-16 Sept'17 Dec-16 Sept'17

* Annualized

4
 Consolidated PAT by Entity
BDT Cr (10 Mio.)

YTD Sept 17 YTD Sept 16 Change: YTD '17 vs '16

BBL Share BBLs BBLs BBLs

Subsidiary PAT PAT PAT
Holding Share in PAT Share in PAT Share in PAT

BRAC EPL Inv Ltd 95% (36.4) (34.4) (65.2) (61.6) 28.8 27.2
BRAC EPL Sec Ltd 90% 16.3 14.7 6.1 5.5 10.2 9.2
biTS 51% 3.6 1.8 (2.0) (1.0) 5.6 2.8
BRAC Sajaan Exch Ltd 75% 1.8 1.3 (0.04) (0.03) 1.8 1.3
bKash 51% 36.5 18.6 25.3 12.9 11.2 5.7
Subsidiary Total 21.7 2.0 (35.9) (44.3) 57.6 46.3
BRAC Bank Ltd 100% 376 376 301 301 75 75
Consolidated PAT 397 378 266 257 131 121
Consolidated EPS 4.42 3.02

Good Growth in bKash, Turn around in EPL Inv, & Sec. QTR
5
 Financial Results: Income Statement (CONSO)
BDT Cr (10 Mio.)

YTD YTD
Particulars Amount %
Sept '17 Sept '16
Net Interest Income 926 880 45 5%
Other Operating Income 797 605 192 32%
Total Revenue 1,723 1,485 238 16%
Staff Cost 437 333 104 31%
Operating Cost 613 517 96 19%
Total Expenditure 1,050 850 200 24%
Operating Profit 673 635 38 6%
Net Debt Charge 66 147 (80) -55%
Profit Before Tax 607 488 118 24%
Tax Charges 209 223 (13) -6%
Profit After Tax 397 266 132 50%

6
 Financial Results: Income Statement (SOLO)
BDT Cr (10 Mio.)

YTD YTD
Particulars Amount %
Sept '17 Sept '16
Net Interest Income 894 813 81 10%
Other Operating Income 463 379 84 22%
Total Revenue 1,357 1,192 165 14%
Staff Cost 324 242 82 34%
Operating Cost 392 350 42 12%
Total Expenditure 717 592 125 21%
Operating Profit 640 600 41 7%
Net Debt Charge 66 96 (30) -31%
Profit Before Tax 574 503 71 14%
Tax Charges 198 202 (3) -2%
Profit After Tax 376 301 74 25%

7
 Customer Deposits (EoP)
BDT Cr (10 Mio.)

BBL

24% 11% 10% 42%

18,052
SME Retail Corporate
16,886

7% 8,916
14,585 8,431
8,070 5,508
16%
4,631
2,795
3,879
2,636
19% 19%
2,369 18% 4% 6%
-6%

Sept-16 Dec-16 Sept-17 Sept-16 Dec-16 Sept-17 Sept-16 Dec-16 Sept-17 Sept-16 Dec-16 Sept-17

8
Balanced Growth aligned with NIM
 Loans & Advances (EoP)
BDT Cr (10 Mio.)

BBL

22% 34% 15% 15%

18,672
SME Retail Corporate
17,361 7,708
7,659
7,149

15,321 8% 6,334
6,691
13%
5,323
3,815
13% 3,306 3,368
14% 1%
19%

2% 13%

Sept-16 Dec-16 Sept-17 Sept-16 Dec-16 Sept-17 Sept-16 Dec-16 Sept-17 Sept-16 Dec-16 Sept-17

All segments drive asset growth

9
 Loans & Advances (EoP)
Segmental Composition
BDT Cr (10 Mio.)
Sep-17
SME Retail Corporate

Sep-16

Sep-15 7,149
7,708 38%
41%
5,323
35%
6,691
44%
4,806
36%
6,663
49%

3,815
3,306 21%
2,073 21%
15%

Continuation of Portfolio Strategy

10
 YoY Asset Quality
(30 day portfolio at risk)
BDT Cr (10 Mio.)

BBL SME Retail Corporate

11.5%

7.2%
6.2%
13.0%
6.7% 12.2% 10.4%
5.3% 5.4%
4.8%
8.5%
7.7%

1,553
553
1,100 1,152 247
753
352 369 178 188 595
570

Sep-15 Sep-16 Sep-17 Sep-15 Sep-16 Sep-17 Sep-15 Sep-16 Sep-17 Sep-15 Sep-16 Sep-17

11 Continuous improvement
 YoY Asset Quality
(Non performing loans)
BDT Cr (10 Mio.)

BBL SME Retail Corporate

7.9%

4.3%
4.1%
6.9%
9.8%
4.6% 7.4%
3.7% 4.6%
3.1 % 5.1%
2.8%
1,064

761
654 415 499
150
391
243 260 102 111 308

Sep-15 Sep-16 Sep-17 Sep-15 Sep-16 Sep-17 Sep-15 Sep-16 Sep-17 Sep-15 Sep-16 Sep-17

12 Continuous improvement
 Q417 - Priorities

People:
Training & Up skilling, Retention, Recruitment

Progress Technology Projects:

Core Banking, ERP, Call Center, Debit Card, Credit Card, Internet Banking, e-Commerce

Refine Distribution Strategy - All-Segment Branch Model

Roll out Service Quality Initiatives

End 2017 with strong Balance Sheet momentum

Continue the journey to become the BEST BANK in Bangladesh

13
Q&A
APPENDIX
16

SUBSIDIARY FINANCIALS
Q3 2017
AS AT AND FOR THE 3rd QUARTER ENDED
30 SEPTEMBER 2017
 Consolidated PAT by Entity
BDT Cr (10 Mio.)

Change:
1Q 17 2Q 17 3Q 17 3Q 16
3Q 17 vs 3Q 16
BBLs BBLs BBLs BBLs BBLs
Subsidiary PAT Share in PAT Share in PAT Share in PAT Share PAT Share
PAT PAT PAT in PAT in PAT
BRAC EPL Inv Ltd (16.1) (15.2) (18.4) (17.4) (1.9) (1.8) (13.9) (13.1) 12.0 11.3
BRAC EPL Sec Ltd 8.4 7.6 3.2 2.9 4.6 4.2 2.3 2.1 2.3 2.1
biTS 3.6 1.8 2.0 1.0 (2.1) (1.1) 0.8 0.4 -2.9 -1.5
BRAC Sajaan Exch Ltd 0.2 0.2 0.7 0.5 0.9 0.6 0.3 0.2 0.6 0.4
bKash 18.8 9.6 7.2 3.7 10.5 5.3 6.4 3.3 4.1 2.0
Subsidiary Total 15 4 (5) (9) 12 7 (4) (7) 16 14
BRAC Bank Ltd 112 112 120 121 143 143 95 95 48 48
Consolidated PAT 127 116 115 111 155 151 91 88 64 63
Consolidated EPS 1.36 1.30 1.76 1.03

Back
17
 bKash
BDT Cr (10 Mio.)

bKash
Income Statement YTD Act YTD var
Sep-17 Sep-16 Amt %
Net Interest Income 92.2 76.3 15.9 21%
Other Income/Commission 218.9 167.4 51.5 31%
Total Revenue 311.1 243.7 67.4 28%
Staff Cost 83.8 65.1 18.7 29%
Operating Cost 168.2 136.8 31.3 23%
Total Expenditure 252.0 202.0 50.1 25%
Operating Profit 59.1 41.7 17.3 42%
Net Debt Charge - - - -
Profit Before Tax 59.1 41.7 17.3 42%
Tax Charges 22.6 16.5 6.2 37%
Profit After Tax 36.5 25.3 11.2 44%
 BESL
BDT Cr (10 Mio.)
BESL
Income Statement YTD Act YTD var
Sep-17 Sep-16 Amt %
Net Interest Income 2.8 3.9 (1.1) -28%
Other Income/Commission 50.9 30.6 20.3 66%
Total Revenue 53.7 34.5 19.2 56%
Staff Cost 10.8 9.3 1.6 17%
Operating Cost 18.8 15.3 3.6 23%
Total Expenditure 29.6 24.5 5.1 21%
Operating Profit 24.0 10.0 14.0 141%
Net Debt Charge - - - -
Profit Before Tax 24.0 10.0 14.0 141%
Tax Charges 7.7 3.9 3.8 98%
Profit After Tax 16.3 6.1 10.2 168%
 biTS
BDT Cr (10 Mio.)

biTS
Income Statement YTD Act YTD var
Sep-17 Sep-16 Amt %
Net Interest Income - - - -
Other Income/Commission 22.6 14.7 7.9 54%
Total Revenue 22.6 14.7 7.9 54%
Staff Cost 10.1 10.4 (0.3) -3%
Operating Cost 8.9 6.3 2.6 42%
Total Expenditure 19.0 16.7 2.3 14%
Operating Profit 3.6 (2.0) 5.6 276%
Net Debt Charge - - - -
Profit Before Tax 3.6 (2.0) 5.6 276%
Tax Charges - - - -
Profit After Tax 3.6 (2.0) 5.6 276%
 BRAC Saajan Exchange Ltd.
BDT Cr (10 Mio.)

BRAC Saajan
Income Statement YTD Act YTD var
Sep-17 Sep-16 Amt %
Net Interest Income (0.7) - (0.7) -
Other Income/Commission 36.2 21.6 14.6 67%
Total Revenue 35.5 21.6 13.9 64%
Staff Cost 5.4 3.8 1.6 42%
Operating Cost 27.9 17.6 10.3 58%
Total Expenditure 33.3 21.4 11.9 55%
Operating Profit 2.2 0.2 2.0 1083%
Net Debt Charge - - - -
Profit Before Tax 2.2 0.2 2.0 1083%
Tax Charges 0.4 0.2 0.2 73%
Profit After Tax 1.8 (0.04) 1.8 4868%
1 GBP = BDT 103.2001 at Sep - 2017
1 GBP = BDT 102.0376 at Sep - 2016
 BEIL
BDT Cr (10 Mio.)

BEIL
Income Statement YTD Act YTD var
Sep-17 Sep-16 Amt %
Net Interest Income (62.8) (12.9) (49.9) 388%
Other Income/Commission 14.4 4.6 9.8 216%
Total Revenue (48.4) (8.3) (40.1) 482%
Staff Cost 2.6 2.8 (0.2) -7%
Operating Cost 5.2 3.5 1.7 47%
Total Expenditure 7.8 6.3 1.5 23%
Operating Profit (56.3) (14.7) (41.6) 283%
Net Debt Charge - 50.4 (50.4) -100%
Profit Before Tax (56.3) (65.0) 8.8 13%
Tax Charges (19.9) 0.2 (20.0) -13326%
Profit After Tax (36.4) (65.2) 28.8 44%
 Subsidiary Financials - Total
BDT Cr (10 Mio.)

Total
Income Statement YTD Act YTD var
Sep-17 Sep-16 Amt %
Net Interest Income 31.4 67.3 (35.9) -53%
Other Income/Commission 343.0 238.9 104.1 44%
Total Revenue 374.4 306.2 68.2 22%
Staff Cost 112.8 91.4 21.4 23%
Operating Cost 229.0 179.6 49.5 28%
Total Expenditure 341.8 271.0 70.8 26%
Operating Profit 32.6 35.2 (2.6) -7%
Net Debt Charge - 50.4 (50.4) 100%
Profit Before Tax 32.6 (15.2) 47.8 315%
Tax Charges 10.9 20.7 (9.9) -48%
Profit After Tax 21.7 (35.9) 57.6 161%