Company · Analysis · 29 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
Profit after tax reached BDT 4,861m in 2025 and CRAR 15.54%, but net interest income fell 23% in H1 2026 as deposit costs rose, investment income is now 57% of operating income, and paid-up capital of Tk1,155 crore bars cash dividends from FY2026.
National Credit and Commerce Bank PLC (NCC Bank) is a second-generation private commercial bank with 132 branches, 10 sub-branches and 2,473 permanent staff at the end of 2025. It is a trade-finance and corporate lender: it handled BDT 246bn of imports and BDT 133bn of…