DSE : NCCBANK
National Credit and Commerce Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 15.4 BDT (At close: Oct 29, 2026) · Market cap 17.78B
Latest research: NCC Bank financial analysis: NPL 4.1% after write-offs, writ-stayed loans, no cash dividend under Tk2,000 crore rule (Oct 2026) · NCC Bank: NPL cut to 4.1% by a Tk1,348 crore write-off, but writ-stayed loans, a bond-heavy income mix and the Tk2,000 crore rule shape the next two years
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 26.51B | 25.79B | 23.20B | 17.38B | 13.91B | 13.50B |
| Interest Paid on Deposits | 22.59B | 20.03B | 17.02B | 11.80B | 9.05B | 7.81B |
| Net Interest Income | 3.92B | 5.76B | 6.17B | 5.59B | 4.86B | 5.69B |
| Gain (Loss) on Sale of Assets | 2.30M | 2.30M | -482.10K | 3.05M | ||
| Gain (Loss) on Sale of Investments | 638.16M | -413.42M | -390.68M | -646.65M | -67.52M | |
| Other Non-Interest Income | 15.32B | 13.42B | 10.99B | 9.45B | 7.96B | 6.20B |
| Total Non-Interest Income | 15.96B | 13.01B | 10.59B | 8.81B | 7.89B | 6.20B |
| Revenues Before Loan Losses | 19.88B | 18.77B | 16.77B | 14.40B | 12.75B | 11.89B |
| Provision for Loan Losses | 6.31B | 5.00B | 5.69B | 3.59B | 1.66B | 2.16B |
| Revenue | 13.57B | 13.78B | 11.08B | 10.81B | 11.10B | 9.72B |
| Salaries and Employee Benefits | 4.25B | 4.07B | 3.92B | 3.55B | 3.24B | 2.93B |
| Occupancy Expenses | 985.33M | 830.98M | 673.95M | 598.29M | 571.96M | 537.21M |
| Selling, General & Administrative | 635.69M | 732.82M | 717.37M | 718.21M | 721.29M | 637.26M |
| Other Non-Interest Expense | 2.08B | 2.26B | 1.20B | 1.35B | 1.36B | 953.84M |
| Total Non-Interest Expense | 7.98B | 7.93B | 6.54B | 6.25B | 5.86B | 5.09B |
| EBT Excluding Unusual Items | 5.59B | 5.85B | 4.54B | 4.56B | 5.23B | 4.64B |
| Other Unusual Items | 534.70M | 271.12M | -198.79M | |||
| Pretax Income | 5.59B | 5.85B | 5.08B | 4.83B | 5.23B | 4.44B |
| Income Tax Expense | 76.34M | 1.08B | 703.05M | 2.53B | 2.59B | 1.82B |
| Earnings From Continuing Operations | 5.51B | 4.77B | 4.38B | 2.30B | 2.64B | 2.62B |
| Minority Interest in Earnings | -8.00 | |||||
| Net Income | 5.51B | 4.77B | 4.38B | 2.30B | 2.64B | 2.62B |
| Net Income to Common | 5.51B | 4.77B | 4.38B | 2.30B | 2.64B | 2.62B |
| Basic Shares Outstanding | 1.16B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| Diluted Shares Outstanding | 1.16B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| EPS (Basic) | 4.77 | 4.13 | 3.79 | 1.99 | 2.29 | 2.27 |
| EPS (Diluted) | 4.77 | 4.13 | 3.79 | 1.99 | 2.29 | 2.27 |
| Dividend Per Share | 1.25 | 1.15 | 0.46 | 1.06 | ||
| Effective Tax Rate | 1.36% | 18.48% | 13.84% | 52.41% | 49.50% | 41.04% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 22.34B | 12.12B | 8.41B | 16.23B | 20.37B | 19.66B |
| Investment Securities | 132.31B | 99.82B | 77.00B | 55.25B | 53.87B | 49.58B |
| Total Investments | 132.31B | 99.82B | 77.00B | 55.25B | 53.87B | 49.58B |
| Gross Loans | 274.27B | 263.66B | 242.08B | 230.98B | 212.31B | 192.11B |
| Net Loans | 274.27B | 263.66B | 242.08B | 230.98B | 212.31B | 192.11B |
| Property, Plant & Equipment | 3.23B | 3.25B | 3.41B | 2.94B | 2.72B | 2.60B |
| Other Intangible Assets | 121.39M | 88.52M | 99.74M | 72.75M | ||
| Other Receivables | 5.98B | 267.72M | 129.87M | 56.63M | 47.56M | 221.55M |
| Restricted Cash | 12.52B | 11.43B | 9.19B | 9.81B | 8.37B | |
| Other Long-Term Assets | 12.05B | 7.56B | 6.16B | 4.57B | 2.93B | 3.37B |
| Total Assets | 450.18B | 399.32B | 348.72B | 319.32B | 302.12B | 275.92B |
| Interest Bearing Deposits | 285.27B | 251.04B | 214.67B | 179.20B | 168.30B | 171.98B |
| Non-Interest Bearing Deposits | 42.73B | 38.47B | 35.88B | 35.32B | 29.54B | 25.49B |
| Total Deposits | 328.01B | 289.51B | 250.56B | 214.52B | 197.84B | 197.47B |
| Short-Term Borrowings | 1.25B | 1.89B | 2.86B | 1.86B | 2.31B | |
| Current Portion of Long-Term Debt | 28.39B | 15.15B | 23.76B | 13.89B | 14.42B | |
| Other Current Liabilities | 6.55B | 7.47B | 6.09B | 6.43B | 5.21B | 5.18B |
| Long-Term Debt | 39.91B | 8.72B | 9.08B | 15.35B | 32.84B | 12.33B |
| Long-Term Leases | 780.57M | 868.43M | 393.26M | 110.86M | 8.01M | |
| Other Long-Term Liabilities | 44.10B | 32.98B | 38.07B | 31.77B | 27.21B | 21.88B |
| Total Liabilities | 418.57B | 369.12B | 321.71B | 295.09B | 278.96B | 253.59B |
| Common Stock | 11.55B | 11.10B | 11.10B | 11.10B | 10.58B | 10.17B |
| Retained Earnings | 18.87B | 18.10B | 15.35B | 12.76B | 12.03B | 11.50B |
| Comprehensive Income & Other | 1.20B | 992.50M | 551.61M | 365.18M | 554.24M | 657.45M |
| Total Common Equity | 31.62B | 30.20B | 27.01B | 24.23B | 23.16B | 22.32B |
| Minority Interest | 211.00 | 205.00 | 209.00 | 209.00 | 209.00 | 209.00 |
| Shareholders' Equity | 31.62B | 30.20B | 27.01B | 24.23B | 23.16B | 22.32B |
| Total Liabilities & Equity | 450.18B | 399.32B | 348.72B | 319.32B | 302.12B | 275.92B |
| Total Debt | 39.91B | 39.15B | 26.99B | 42.37B | 48.70B | 29.07B |
| Net Cash (Debt) | -17.57B | -27.03B | -18.57B | -26.14B | -28.33B | -9.41B |
| Net Cash Per Share | -15.20 | -23.40 | -16.08 | -22.64 | -24.53 | -8.15 |
| Filing Date Shares Outstanding | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| Total Common Shares Outstanding | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| Book Value Per Share | 27.43 | 26.15 | 23.38 | 20.98 | 20.06 | 19.33 |
| Tangible Book Value | 31.62B | 30.08B | 26.92B | 24.13B | 23.09B | 22.32B |
| Tangible Book Value Per Share | 27.43 | 26.05 | 23.31 | 20.89 | 19.99 | 19.33 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 5.51B | 4.77B | 4.38B | 2.30B | 2.64B | 2.62B |
| Depreciation & Amortization | 475.37M | 454.07M | 342.91M | 269.39M | 292.09M | 273.16M |
| Other Amortization | 10.89M | 33.49M | 31.10M | 26.58M | 18.06M | 14.87M |
| Gain (Loss) on Sale of Assets | -2.85M | -1.82M | 575.62K | -2.99M | 699.92K | -9.24M |
| Gain (Loss) on Sale of Investments | -6.72B | -3.74B | -3.01B | -1.30B | -1.72B | -998.71M |
| Provision for Credit Losses | 1.03B | 561.75M | 297.45M | 617.40M | 214.28M | 408.65M |
| Change in Other Net Operating Assets | -59.02B | -31.47B | -37.78B | -12.72B | -12.67B | -8.18B |
| Other Operating Activities | 5.03B | 4.77B | 3.19B | 2.62B | 540.30M | 1.60B |
| Operating Cash Flow | -53.69B | -24.63B | -32.56B | -8.19B | -10.69B | -4.27B |
| Capital Expenditures | -246.05M | -345.81M | -224.66M | -185.25M | -283.85M | -165.90M |
| Sale of Property, Plant and Equipment | 3.41M | 2.83M | 597.67K | 5.47M | 5.51M | 10.56M |
| Investment in Securities | -23.55B | -10.75B | -7.70B | -4.73B | -4.51B | -7.99B |
| Investing Cash Flow | -23.79B | -11.09B | -7.92B | -4.91B | -4.79B | -8.14B |
| Long-Term Debt Issued | 1.75B | 1.40B | 6.95B | 9.76B | ||
| Long-Term Debt Repaid | -800.00M | -9.04B | -800.00M | -800.00M | ||
| Net Debt Issued (Repaid) | 4.73B | 1.75B | 595.17M | -9.04B | 6.15B | 8.96B |
| Common Dividends Paid | -1.86B | -1.43B | -1.33B | -502.32M | -1.22B | -709.44M |
| Net Increase (Decrease) in Deposit Accounts | 77.90B | 40.33B | 35.70B | 17.90B | 12.50B | 5.85B |
| Other Financing Activities | -1.00 | -1.00 | 5.00 | |||
| Financing Cash Flow | 80.77B | 40.66B | 34.97B | 8.36B | 17.44B | 14.10B |
| Foreign Exchange Rate Adjustments | -3.87M | -6.93M | 3.83M | -9.48M | 11.71M | 1.16M |
| Net Cash Flow | 3.29B | 4.93B | -5.50B | -4.75B | 1.97B | 1.69B |
| Free Cash Flow | -53.93B | -24.97B | -32.78B | -8.38B | -10.97B | -4.44B |
| Free Cash Flow Margin | -397.49% | -181.27% | -295.85% | -77.51% | -98.86% | -45.62% |
| Free Cash Flow Per Share | -46.66 | -21.62 | -28.39 | -7.26 | -9.50 | -3.84 |
| Cash Interest Paid | 6.68B | 20.00B | 16.07B | 11.73B | 9.07B | 8.24B |
| Cash Income Tax Paid | 548.56M | 2.65B | 2.70B | 2.42B | 1.91B | 1.82B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 17.78B | 13.55B | 11.99B | 14.55B | 14.59B | 15.56B |
| Last Close Price | 15.40 | 10.48 | 8.22 | 8.99 | 8.70 | 8.56 |
| PE Ratio | 3.23 | 2.84 | 2.74 | 6.33 | 5.52 | 5.95 |
| PS Ratio | 1.31 | 0.98 | 1.08 | 1.35 | 1.31 | 1.60 |
| PB Ratio | 0.56 | 0.45 | 0.44 | 0.60 | 0.63 | 0.70 |
| Debt / Equity Ratio | 1.26 | 1.30 | 1.00 | 1.75 | 2.10 | 1.30 |
| Net Debt / Equity Ratio | 0.56 | 0.90 | 0.69 | 1.08 | 1.22 | 0.42 |
| Net Debt / FCF Ratio | -0.33 | -1.08 | -0.57 | -3.12 | -2.58 | -2.12 |
| Return on Equity (ROE) | 19.39% | 16.66% | 17.08% | 9.70% | 11.62% | 12.09% |
| Return on Assets (ROA) | 1.33% | 1.27% | 1.31% | 0.74% | 0.92% | 0.98% |
| Earnings Yield | 30.98% | 35.18% | 36.49% | 15.79% | 18.11% | 16.81% |
| FCF Yield | -303.25% | -184.33% | -273.36% | -57.60% | -75.16% | -28.51% |
| Dividend Yield | 8.12% | 12.04% | 9.16% | 3.62% | 7.84% | |
| Payout Ratio | 33.71% | 29.96% | 30.29% | 21.86% | 46.22% | 27.12% |
| Buyback Yield / Dilution | -0.24% | 0.00% | ||||
| Total Shareholder Return | 7.88% | 12.04% | 9.16% | 3.62% | 7.84% |