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National Credit and Commerce Bank PLC. (DSE:NCCBANK)
Bangladesh flag Bangladesh · Delayed Price · Currency is BDT
15.40
-0.20 (-1.28%)
At close: Jul 26, 2026

DSE:NCCBANK Financials Overview

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
14,45713,77511,08110,81011,0969,723
Revenue Growth
29.04%24.32%2.51%-2.57%14.12%-0.56%
Net Income
4,9564,7664,3762,2982,6432,616
Earnings Per Share
4.294.133.791.992.292.27
EPS Growth
-5.61%8.90%90.46%-13.08%1.05%17.10%

Revenue by Segment
Chart
Fiscal YearFY 2025
Period EndingDec '25
NCCB Securities and Financial Services Limited (NCCBSFSL)
32.08
Conventional Banking
12,866
Off-Shore Banking Units
136.21
Islamic Banking
-92.88
Total
12,941

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
13,33112,1218,41116,23020,37219,658
Total Debt
35,16039,14826,98542,37148,70229,071
Net Cash (Debt)
-21,829-27,027-18,575-26,141-28,330-9,414
Net Cash Growth
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Net Cash Per Share
-18.90-23.40-16.08-22.64-24.53-8.15

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-40,346-24,625-32,558-8,194-10,686-4,269
Capital Expenditures
-312.37-345.81-224.66-185.25-283.85-165.9
Free Cash Flow
-40,658-24,971-32,783-8,379-10,969-4,435
Free Cash Flow Growth
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Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
34.28%34.60%39.49%21.25%23.82%26.90%
FCF Margin
-281.24%-181.27%-295.85%-77.51%-98.86%-45.62%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.250-1.2501.1540.4581.057
Dividend Per Share Growth
36.00%-8.34%151.98%-56.66%72.00%
Dividend Yield
8.01%-15.21%12.83%5.27%12.34%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.642.842.746.335.525.95
PS Ratio
1.250.981.081.351.321.60