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

DSE:NCCBANK Cash Flow 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
Net Income	1,303	2,327	2,298	2,643	2,616	2,234
Depreciation & Amortization	429.83	342.91	269.39	292.09	273.16	279.97
Other Amortization	31.2	31.1	26.58	18.06	14.87	11.61
Gain (Loss) on Sale of Assets	0.58	0.58	-2.99	0.7	-9.24	-0.49
Gain (Loss) on Sale of Investments	-3,013	-3,013	-1,298	-1,725	-998.71	-574.87
Provision for Credit Losses	297.45	297.45	617.4	214.28	408.65	101.81
Change in Other Net Operating Assets	-37,783	-37,783	-12,722	-12,670	-8,175	2,422
Other Operating Activities	15,031	5,239	2,618	540.3	1,602	392.05
Operating Cash Flow	-23,703	-32,558	-8,194	-10,686	-4,269	4,866
Capital Expenditures	-354.11	-224.66	-185.25	-283.85	-165.9	-251.32
Sale of Property, Plant and Equipment	0.98	0.6	5.47	5.51	10.56	1.32
Investment in Securities	-3,371	-7,696	-4,729	-4,511	-7,988	-3,273
Investing Cash Flow	-3,724	-7,920	-4,909	-4,789	-8,143	-3,523
Long-Term Debt Issued	-	1,395	-	6,955	9,755	3,566
Long-Term Debt Repaid	-	-800	-9,039	-800	-800	-
Net Debt Issued (Repaid)	-2,147	595.17	-9,039	6,155	8,955	3,566
Common Dividends Paid	-1,437	-1,326	-502.32	-1,222	-709.44	-1,391
Net Increase (Decrease) in Deposit Accounts	35,702	35,702	17,901	12,503	5,853	-2,949
Other Financing Activities	-	-	-	-	-	0
Financing Cash Flow	32,118	34,972	8,360	17,437	14,099	-774.66
Foreign Exchange Rate Adjustments	-2.43	3.83	-9.48	11.71	1.16	-0.4
Net Cash Flow	4,689	-5,502	-4,753	1,974	1,688	567.92
Free Cash Flow	-24,057	-32,783	-8,379	-10,969	-4,435	4,615
Free Cash Flow Margin	-237.49%	-295.85%	-77.51%	-98.86%	-45.62%	47.20%
Free Cash Flow Per Share	-21.66	-29.52	-7.55	-9.88	-3.99	4.16
Cash Interest Paid	19,561	16,066	11,733	9,072	8,236	12,584
Cash Income Tax Paid	2,580	2,700	2,418	1,905	1,818	1,961

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