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

NCCBANK Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	8,335	16,230	20,372	19,658	17,302	14,046
Investment Securities	80,294	55,254	53,867	49,578	43,671	38,028
Total Investments	80,294	55,254	53,867	49,578	43,671	38,028
Gross Loans	237,467	230,985	212,313	192,114	181,156	181,958
Net Loans	237,467	230,985	212,313	192,114	181,156	181,958
Property, Plant & Equipment	2,827	2,940	2,717	2,601	2,710	2,746
Other Intangible Assets	89.39	99.74	72.75	-	-	35.47
Accrued Interest Receivable	-	-	-	-	-	876.39
Other Receivables	112.58	56.63	47.56	221.55	52.43	264.95
Restricted Cash	11,899	9,188	9,808	8,375	9,212	11,855
Other Current Assets	-	-	-	-	-	6,620
Other Long-Term Assets	6,159	4,568	2,928	3,370	4,938	1,865
Total Assets	347,182	319,320	302,124	275,917	259,041	258,294
Interest Bearing Deposits	210,416	179,202	168,299	171,981	166,723	174,532
Non-Interest Bearing Deposits	36,397	35,318	29,543	25,488	24,929	20,584
Total Deposits	246,813	214,521	197,842	197,468	191,652	195,116
Short-Term Borrowings	-	2,860	1,859	2,308	2,021	3,195
Current Portion of Long-Term Debt	17,513	24,563	13,894	14,423	12,891	5,068
Other Current Liabilities	5,102	6,428	5,206	5,176	5,139	4,625
Long-Term Debt	12,819	14,554	32,838	12,333	5,992	6,074
Long-Term Leases	373.75	393.26	110.86	8.01	13.97	24.9
Other Long-Term Liabilities	39,065	31,771	27,213	21,878	20,378	24,702
Total Liabilities	321,685	295,091	278,963	253,594	238,087	238,805
Common Stock	11,104	11,104	10,575	10,169	9,459	9,274
Retained Earnings	13,878	12,760	12,032	11,497	10,409	9,750
Comprehensive Income & Other	515.12	365.18	554.24	657.45	1,085	466.03
Total Common Equity	25,497	24,229	23,162	22,323	20,954	19,490
Minority Interest	0	0	0	0	0	0
Shareholders' Equity	25,497	24,229	23,162	22,323	20,954	19,490
Total Liabilities & Equity	347,182	319,320	302,124	275,917	259,041	258,294
Total Debt	30,705	42,371	48,702	29,071	20,917	14,362
Net Cash (Debt)	-22,371	-26,141	-28,330	-9,414	-3,616	-316.34
Net Cash Per Share	-20.15	-23.54	-25.51	-8.48	-3.26	-0.28
Filing Date Shares Outstanding	1,110	1,110	1,110	1,110	1,110	1,110
Total Common Shares Outstanding	1,110	1,110	1,110	1,110	1,110	1,110
Book Value Per Share	22.96	21.82	20.86	20.10	18.87	17.55
Tangible Book Value	25,408	24,130	23,089	22,323	20,954	19,454
Tangible Book Value Per Share	22.88	21.73	20.79	20.10	18.87	17.52

Source: S&P Capital IQ. Banks template. Financial Sources.