BANK SMART

BRAC BANK EARNINGS DISCLOSURE

Investor Relations

25^th Annual General Meeting

Annual Report

Sustainability Report

Financial Statements

Report and Financial Statements of Subsidiaries

Price Sensitive Information

Disclosure on Risk Based Capital (Basel III)

Disclosures on Green Banking

Affordable Housing Bond by BRAC Bank

Subordinated Bond by BRAC Bank

Earning Disclosure

Dividend of BRAC Bank PLC

Unclaimed Dividend of BRAC Bank PLC

Unclaimed Shares and Right Shares of BRAC Bank PLC

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.

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.

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.