National Credit and Commerce Bank PLC. (DSE:NCCBANK)
Bangladesh · Delayed Price · Currency is BDT 14.80
+0.20 (1.37%)
At close: Nov 4, 2026
DSE:NCCBANK Cash Flow Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Net Income | 5,965 | 4,766 | 4,376 | 2,298 | 2,643 | 2,616 |
Depreciation & Amortization | 444.32 | 454.07 | 342.91 | 269.39 | 292.09 | 273.16 |
Other Amortization | 41.94 | 33.49 | 31.1 | 26.58 | 18.06 | 14.87 |
Gain (Loss) on Sale of Assets | -3.06 | -1.82 | 0.58 | -2.99 | 0.7 | -9.24 |
Gain (Loss) on Sale of Investments | -4,378 | -3,736 | -3,013 | -1,298 | -1,725 | -998.71 |
Provision for Credit Losses | 897.67 | 561.75 | 297.45 | 617.4 | 214.28 | 408.65 |
Change in Other Net Operating Assets | -43,388 | -31,468 | -37,783 | -12,722 | -12,670 | -8,175 |
Other Operating Activities | 7,549 | 4,766 | 3,190 | 2,618 | 540.3 | 1,602 |
Operating Cash Flow | -32,871 | -24,625 | -32,558 | -8,194 | -10,686 | -4,269 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Capital Expenditures | -246.05 | -345.81 | -224.66 | -185.25 | -283.85 | -165.9 |
Sale of Property, Plant and Equipment | 3.41 | 2.83 | 0.6 | 5.47 | 5.51 | 10.56 |
Investment in Securities | -23,548 | -10,750 | -7,696 | -4,729 | -4,511 | -7,988 |
Investing Cash Flow | -23,791 | -11,093 | -7,920 | -4,909 | -4,789 | -8,143 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Long-Term Debt Issued | - | 1,753 | 1,395 | - | 6,955 | 9,755 |
Long-Term Debt Repaid | - | - | -800 | -9,039 | -800 | -800 |
Net Debt Issued (Repaid) | 4,729 | 1,753 | 595.17 | -9,039 | 6,155 | 8,955 |
Common Dividends Paid | -1,859 | -1,428 | -1,326 | -502.32 | -1,222 | -709.44 |
Net Increase (Decrease) in Deposit Accounts | 57,089 | 40,334 | 35,702 | 17,901 | 12,503 | 5,853 |
Other Financing Activities | -0 | -0 | 0 | - | - | - |
Financing Cash Flow | 59,959 | 40,660 | 34,972 | 8,360 | 17,437 | 14,099 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Foreign Exchange Rate Adjustments | -3.87 | -6.93 | 3.83 | -9.48 | 11.71 | 1.16 |
Net Cash Flow | 3,294 | 4,934 | -5,502 | -4,753 | 1,974 | 1,688 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | -33,117 | -24,971 | -32,783 | -8,379 | -10,969 | -4,435 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -244.08% | -181.27% | -295.85% | -77.51% | -98.86% | -45.62% |
Free Cash Flow Per Share | -28.68 | -21.62 | -28.39 | -7.26 | -9.50 | -3.84 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash Interest Paid | 22,145 | 19,996 | 16,066 | 11,733 | 9,072 | 8,236 |
Cash Income Tax Paid | 1,927 | 2,653 | 2,700 | 2,418 | 1,905 | 1,818 |