DSE:NCCBANK Cash Flow 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
Net Income	4,766	2,327	2,298	2,643	2,616
Depreciation & Amortization	487.56	342.91	269.39	292.09	273.16
Other Amortization	-	31.1	26.58	18.06	14.87
Gain (Loss) on Sale of Assets	-1.82	0.58	-2.99	0.7	-9.24
Gain (Loss) on Sale of Investments	-3,736	-3,013	-1,298	-1,725	-998.71
Provision for Credit Losses	561.75	297.45	617.4	214.28	408.65
Change in Other Net Operating Assets	-31,468	-37,783	-12,722	-12,670	-8,175
Other Operating Activities	4,766	5,239	2,618	540.3	1,602
Operating Cash Flow	-24,625	-32,558	-8,194	-10,686	-4,269
Capital Expenditures	-345.81	-224.66	-185.25	-283.85	-165.9
Sale of Property, Plant and Equipment	2.83	0.6	5.47	5.51	10.56
Investment in Securities	-10,750	-7,696	-4,729	-4,511	-7,988
Investing Cash Flow	-11,093	-7,920	-4,909	-4,789	-8,143
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)	1,753	595.17	-9,039	6,155	8,955
Common Dividends Paid	-1,428	-1,326	-502.32	-1,222	-709.44
Net Increase (Decrease) in Deposit Accounts	40,334	35,702	17,901	12,503	5,853
Other Financing Activities	-0	-	-	-	-
Financing Cash Flow	40,660	34,972	8,360	17,437	14,099
Foreign Exchange Rate Adjustments	-6.93	3.83	-9.48	11.71	1.16
Net Cash Flow	4,934	-5,502	-4,753	1,974	1,688
Free Cash Flow	-24,971	-32,783	-8,379	-10,969	-4,435
Free Cash Flow Margin	-181.27%	-295.85%	-77.51%	-98.86%	-45.62%
Free Cash Flow Per Share	-22.48	-29.52	-7.55	-9.88	-3.99
Cash Interest Paid	-	16,066	11,733	9,072	8,236
Cash Income Tax Paid	-	2,700	2,418	1,905	1,818

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