DSE:NCCBANK Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	25,794	23,197	17,381	13,915	13,498
Interest Paid on Deposits	20,032	17,024	11,795	9,050	7,812
Net Interest Income	5,763	6,173	5,586	4,864	5,686
Net Interest Income Growth (YoY)	-6.65%	10.52%	14.83%	-14.45%	32.31%
Gain (Loss) on Sale of Assets	2.3	-0.48	3.05	-	-
Gain (Loss) on Sale of Investments	-413.42	-390.68	-646.65	-67.52	-
Other Non-Interest Income	13,420	10,985	9,455	7,958	6,200
Total Non-Interest Income	13,009	10,594	8,811	7,890	6,200
Non-Interest Income Growth (YoY)	22.80%	20.23%	11.67%	27.27%	2.41%
Revenues Before Loan Losses	18,772	16,767	14,397	12,755	11,886
Provision for Loan Losses	4,997	5,686	3,587	1,659	2,163
Revenue	13,775	11,081	10,810	11,096	9,723
Revenue Growth (YoY)	24.32%	2.51%	-2.57%	14.12%	-0.56%
Salaries and Employee Benefits	4,071	3,918	3,554	3,241	2,929
Occupancy Expenses	830.98	673.95	598.29	571.96	537.21
Selling, General & Administrative	732.82	717.37	718.21	721.29	637.26
Other Non-Interest Expense	2,264	1,197	1,353	1,358	953.84
Total Non-Interest Expense	7,929	6,536	6,253	5,861	5,087
EBT Excluding Unusual Items	5,846	4,545	4,557	5,235	4,635
Other Unusual Items	-	534.7	271.12	-	-198.79
Pretax Income	5,846	5,079	4,828	5,235	4,437
Income Tax Expense	1,081	703.05	2,530	2,592	1,821
Earnings From Continuing Operations	4,766	4,376	2,298	2,643	2,616
Net Income	4,766	4,376	2,298	2,643	2,616
Net Income to Common	4,766	4,376	2,298	2,643	2,616
Net Income Growth	8.90%	90.46%	-13.08%	1.05%	17.10%
Basic Shares Outstanding	1,155	1,155	1,155	1,155	1,155
Diluted Shares Outstanding	1,155	1,155	1,155	1,155	1,155
EPS (Basic)	4.13	3.79	1.99	2.29	2.27
EPS (Diluted)	4.13	3.79	1.99	2.29	2.27
EPS Growth	8.90%	90.46%	-13.08%	1.05%	17.10%
Dividend Per Share	-	1.250	1.154	0.458	1.057
Dividend Growth	-	8.34%	151.98%	-56.66%	72.00%
Effective Tax Rate	18.48%	13.84%	52.41%	49.50%	41.04%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.