NCB Financial Group Balance Sheet

Financials in millions JMD. Fiscal year is October - September.

Millions JMD. Fiscal year is Oct - Sep.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Cash & Equivalents	245,319	247,800	209,528	175,572	220,641	206,447
Investment Securities	1,006,712	991,234	922,109	840,008	715,191	692,282
Trading Asset Securities	1,952	1,918	1,492	826.74	874.47	767.44
Total Investments	1,008,663	993,151	923,601	840,835	716,066	693,049
Gross Loans	625,107	633,922	640,107	624,543	591,262	534,927
Allowance for Loan Losses	-20,066	-19,577	-17,105	-15,336	-13,714	-15,494
Net Loans	605,041	614,345	623,002	609,207	577,548	519,433
Property, Plant & Equipment	34,200	34,604	32,608	34,123	34,189	33,456
Goodwill	-	20,351	20,351	20,351	20,351	20,351
Other Intangible Assets	47,732	28,180	33,940	33,631	34,339	32,196
Investments in Real Estate	39,198	38,877	37,487	36,593	38,714	38,218
Accrued Interest Receivable	3,396	16,671	14,386	14,549	3,439	4,056
Other Receivables	71,321	40,876	52,473	39,416	49,749	36,965
Restricted Cash	-	53,808	50,013	48,902	45,492	41,248
Other Current Assets	25,517	261,800	268,975	296,065	259,818	227,342
Long-Term Deferred Tax Assets	28,181	24,260	23,488	22,711	26,199	14,421
Other Real Estate Owned & Foreclosed	-	278.96	274.77	680.53	1,028	1,732
Other Long-Term Assets	314,970	30,994	25,884	26,456	47,224	44,931
Total Assets	2,423,537	2,405,997	2,316,011	2,199,090	2,078,186	1,917,128
Accrued Expenses	-	20,229	12,362	18,733	14,096	13,751
Interest Bearing Deposits	836,921	843,591	803,075	762,488	732,443	663,285
Total Deposits	836,921	843,591	803,075	762,488	732,443	663,285
Short-Term Borrowings	278,272	280,538	299,522	279,764	247,677	224,851
Current Portion of Long-Term Debt	-	78,747	91,965	78,883	33,472	45,192
Current Portion of Leases	-	1,589	1,374	1,387	856.2	947.81
Current Income Taxes Payable	-	-	-	559.31	-	-
Accrued Interest Payable	-	623.72	691.53	666.17	356.96	410.4
Other Current Liabilities	88,187	94,097	91,457	82,806	76,492	67,982
Long-Term Debt	283,433	220,571	204,794	226,332	251,871	176,074
Long-Term Leases	7,101	5,705	2,906	3,615	4,317	4,430
Pension & Post-Retirement Benefits	6,977	16,798	15,100	21,265	10,343	14,369
Long-Term Deferred Tax Liabilities	11,397	7,902	6,986	7,917	9,126	9,254
Other Long-Term Liabilities	652,068	581,271	575,034	543,929	479,730	462,368
Total Liabilities	2,164,356	2,151,662	2,105,268	2,028,344	1,884,977	1,710,463
Common Stock	161,196	161,190	161,171	153,827	153,827	153,827
Additional Paid-In Capital	-	18,476	18,712	18,712	18,379	-
Retained Earnings	205,128	202,971	178,024	171,202	192,903	164,501
Treasury Stock	-25,675	-25,675	-25,675	-25,675	-26,653	-27,199
Comprehensive Income & Other	-143,175	-157,886	-159,938	-175,944	-192,359	-129,673
Total Common Equity	197,473	199,077	172,295	142,123	146,098	161,456
Minority Interest	61,708	55,258	38,448	28,624	47,111	45,209
Shareholders' Equity	259,181	254,335	210,743	170,746	193,209	206,665
Total Liabilities & Equity	2,423,537	2,405,997	2,316,011	2,199,090	2,078,186	1,917,128
Total Debt	568,806	587,149	600,562	589,981	538,194	451,495
Net Cash (Debt)	-309,391	-327,964	-383,933	-404,816	-308,378	-234,613
Net Cash Per Share	-128.24	-135.98	-161.76	-171.45	-134.18	-103.07
Filing Date Shares Outstanding	2,419	2,418	2,412	2,298	2,298	2,295
Total Common Shares Outstanding	2,419	2,418	2,412	2,298	2,298	2,295
Book Value Per Share	81.65	82.32	71.44	61.84	63.57	70.36
Tangible Book Value	149,741	150,546	118,004	88,141	91,408	108,909
Tangible Book Value Per Share	61.91	62.25	48.93	38.35	39.77	47.46

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