Selim R. F. Hussain, 
Managing Director & CEO, BRAC Bank

The Daily Star (TDS): Your bank has recently achieved an annual operating profit surpassing Tk 2,000 crore. What does this milestone signify for your organization ?

Selim R. F. Hussain (SRFH): First of all, I thank our 10,000-strong BRAC Bank team, whose dedication and hard work made this accomplishment possible; the credit for this success also goes to the Board of Directors for their strategic guidance.

Achieving an operating profit of Tk 2,000 crore symbolizes financial success and the incredible trust our customers and stakeholders place in us. In the current banking sector scenario, where challenges often outpace opportunities, this achievement reaffirms our commitment to staying customer-focused, transparent, and resilient.

This milestone boosts our confidence in becoming an even better bank that remains committed to financial inclusivity and sustainable growth. It reminds us of our responsibility to contribute meaningfully to Bangladesh's banking sector and the broader economy.

TDS: What key drivers helped accomplish this milestone despite the challenges in the banking sector?

SRFH: At BRAC Bank, we view challenges as opportunities. Our well-governed, transparent, and accountable practices have led us to consistent financial success.

BRAC Bank's superior performance indicators in the Bangladesh banking sector are reflected in the highest market capitalization and the highest international investor shareholding in the local banking sector and the highest bank credit rating of all banks in Bangladesh from both international rating agencies, S&P and Moody's. The bank leads the local banking industry in nearly all financial metrics and is also a benchmark for corporate governance and values-based banking. These indicators have firmly established BRAC Bank as a leading bank in Bangladesh.

The continuous expansion of the branch distribution network, relentless focus on customer-centricity and enhanced digital banking solutions have significantly contributed to the accomplishments. In line with our focus on customer-centricity, we tailor our services to meet individual customer needs, making banking more personal and accessible.

Our  hybrid approach - combining cutting-edge technology with the warmth of human interaction has been another crucial driver. This innovative model has enabled us to enhance efficiency while maintaining a personal touch, ultimately delivering a superior customer experience. Staying agile and adaptive has helped us meet challenges and thrive in the face of them.

TDS: What strategies do you have in place to ensure continued growth in 2025 and beyond?

SRFH: As we look toward 2025 and beyond, our vision is clear: to be Bangladesh's largest, most impactful, and most financially inclusive bank. By "impactful," we mean meaningful to all stakeholders - customers, co-workers, shareholders, and the community.

We aim to make our services even more personalized, ensuring that every customer feels valued and understood. Financial inclusivity remains at the core of our mission, as we strive to reach underserved segments of society and bring them into the formal financial ecosystem. Ultimately, our goal is prosperity for all - a vision rooted in sustainable growth and shared success.

TDS: What strategies should banks adopt to improve financial performance and achieve sustainable growth?

SRFH: The key to sustainable growth in banking is simple but powerful: governance, good governance, and better governance. Banks must adhere to the fundamentals of sound financial management while fostering a culture of transparency and accountability. Emphasizing customer-centricity and innovation can also unlock new opportunities. BRAC Bank will continue to embed sustainability principles at its core for long-term positive impact on the people and society. The bank can deliver meaningful experiences and ensure long-term success by balancing technology and human connection.