National Credit and Commerce Bank PLC. (DSE:NCCBANK)

DSE:NCCBANK Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	24,729	23,197	17,381	13,915	13,498	15,919
Interest Paid on Deposits	19,687	17,024	11,795	9,050	7,812	11,621
Net Interest Income	5,043	6,173	5,586	4,864	5,686	4,298
Net Interest Income Growth (YoY)	-23.27%	10.52%	14.83%	-14.45%	32.31%	-32.69%
Gain (Loss) on Sale of Assets	-0.48	-0.48	3.05	-	-	-
Gain (Loss) on Sale of Investments	-448.31	-390.68	-646.65	-67.52	-	120
Other Non-Interest Income	13,724	10,985	9,455	7,958	6,200	5,934
Total Non-Interest Income	13,275	10,594	8,811	7,890	6,200	6,054
Non-Interest Income Growth (YoY)	20.29%	20.23%	11.67%	27.27%	2.41%	22.46%
Revenues Before Loan Losses	18,317	16,767	14,397	12,755	11,886	10,352
Provision for Loan Losses	8,188	5,686	3,587	1,659	2,163	573.92
Revenue	10,130	11,081	10,810	11,096	9,723	9,778
Revenue Growth (YoY)	-14.77%	2.51%	-2.57%	14.12%	-0.56%	14.53%
Salaries and Employee Benefits	4,201	3,918	3,554	3,241	2,929	2,825
Occupancy Expenses	816.88	673.95	598.29	571.96	537.21	662.13
Selling, General & Administrative	714.53	717.37	718.21	721.29	637.26	483.76
Other Non-Interest Expense	1,568	1,197	1,353	1,358	953.84	1,079
Total Non-Interest Expense	7,336	6,536	6,253	5,861	5,087	5,079
EBT Excluding Unusual Items	2,794	4,545	4,557	5,235	4,635	4,698
Other Unusual Items	534.7	534.7	271.12	-	-198.79	-669.4
Pretax Income	3,329	5,079	4,828	5,235	4,437	4,029
Income Tax Expense	2,026	2,752	2,530	2,592	1,821	1,795
Earnings From Continuing Operations	1,303	2,327	2,298	2,643	2,616	2,234
Minority Interest in Earnings	0	-	-	-	-	-
Net Income	1,303	2,327	2,298	2,643	2,616	2,234
Net Income to Common	1,303	2,327	2,298	2,643	2,616	2,234
Net Income Growth	-47.95%	1.27%	-13.08%	1.05%	17.10%	4.66%
Basic Shares Outstanding	1,110	1,110	1,110	1,110	1,110	1,110
Diluted Shares Outstanding	1,110	1,110	1,110	1,110	1,110	1,110
EPS (Basic)	1.17	2.10	2.07	2.38	2.36	2.01
EPS (Diluted)	1.17	2.10	2.07	2.38	2.36	2.01
EPS Growth	-47.95%	1.27%	-13.08%	1.05%	17.10%	4.66%
Dividend Per Share	1.300	1.300	1.200	0.476	1.099	0.639
Dividend Growth	8.33%	8.33%	152.00%	-56.67%	72.00%	-49.00%
Effective Tax Rate	60.86%	54.19%	52.41%	49.50%	41.04%	44.56%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.