DSE:NCCBANK Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	1,303	2,327	2,298	2,643	2,616	2,234	Upgrade
Depreciation & Amortization	429.83	342.91	269.39	292.09	273.16	279.97	Upgrade
Other Amortization	31.2	31.1	26.58	18.06	14.87	11.61	Upgrade
Gain (Loss) on Sale of Assets	0.58	0.58	-2.99	0.7	-9.24	-0.49	Upgrade
Gain (Loss) on Sale of Investments	-3,013	-3,013	-1,298	-1,725	-998.71	-574.87	Upgrade
Provision for Credit Losses	297.45	297.45	617.4	214.28	408.65	101.81	Upgrade
Change in Other Net Operating Assets	-37,783	-37,783	-12,722	-12,670	-8,175	2,422	Upgrade
Other Operating Activities	15,031	5,239	2,618	540.3	1,602	392.05	Upgrade
Operating Cash Flow	-23,703	-32,558	-8,194	-10,686	-4,269	4,866	Upgrade
Capital Expenditures	-354.11	-224.66	-185.25	-283.85	-165.9	-251.32	Upgrade
Sale of Property, Plant and Equipment	0.98	0.6	5.47	5.51	10.56	1.32	Upgrade
Investment in Securities	-3,371	-7,696	-4,729	-4,511	-7,988	-3,273	Upgrade
Investing Cash Flow	-3,724	-7,920	-4,909	-4,789	-8,143	-3,523	Upgrade
Long-Term Debt Issued	-	1,395	-	6,955	9,755	3,566	Upgrade
Long-Term Debt Repaid	-	-800	-9,039	-800	-800	-	Upgrade
Net Debt Issued (Repaid)	-2,147	595.17	-9,039	6,155	8,955	3,566	Upgrade
Common Dividends Paid	-1,437	-1,326	-502.32	-1,222	-709.44	-1,391	Upgrade
Net Increase (Decrease) in Deposit Accounts	35,702	35,702	17,901	12,503	5,853	-2,949	Upgrade
Other Financing Activities	-	-	-	-	-	0	Upgrade
Financing Cash Flow	32,118	34,972	8,360	17,437	14,099	-774.66	Upgrade
Foreign Exchange Rate Adjustments	-2.43	3.83	-9.48	11.71	1.16	-0.4	Upgrade
Net Cash Flow	4,689	-5,502	-4,753	1,974	1,688	567.92	Upgrade
Free Cash Flow	-24,057	-32,783	-8,379	-10,969	-4,435	4,615	Upgrade
Free Cash Flow Margin	-237.49%	-295.85%	-77.51%	-98.86%	-45.62%	47.20%	Upgrade
Free Cash Flow Per Share	-21.66	-29.52	-7.55	-9.88	-3.99	4.16	Upgrade
Cash Interest Paid	19,561	16,066	11,733	9,072	8,236	12,584	Upgrade
Cash Income Tax Paid	2,580	2,700	2,418	1,905	1,818	1,961	Upgrade

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