Zambia National Commercial Bank Plc (LUSE:ZNCO)

LUSE:ZNCO Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	1,370	8,590	4,609	6,398	4,821	3,777
Investment Securities	17,348	11,631	11,863	11,637	12,819	6,654
Trading Asset Securities	-	3,546	2,306	2,810	1,946	2,582
Total Investments	17,348	15,176	14,169	14,447	14,765	9,236
Gross Loans	20,067	24,711	20,940	16,964	12,702	10,250
Allowance for Loan Losses	-	-532.61	-523.53	-453.23	-355.82	-434.66
Net Loans	20,067	24,178	20,416	16,511	12,346	9,815
Property, Plant & Equipment	1,164	770.06	710.48	725.1	520.06	523.87
Other Intangible Assets	-	430.82	375.11	291.53	209.46	344.43
Other Receivables	3,179	136.85	-	-	-	-
Restricted Cash	8,502	8,236	7,077	5,924	2,699	1,758
Other Current Assets	-	307.94	352.83	198.45	215.56	391.64
Long-Term Deferred Tax Assets	-	364.48	369.7	304.86	275.53	258.69
Other Long-Term Assets	3,575	-	-	-	-	-
Total Assets	55,206	58,191	48,079	44,800	35,852	26,104

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	959.41	988.89	806.91	440.28	563.15
Interest Bearing Deposits	15,340	14,500	13,866	12,845	9,543	6,316
Non-Interest Bearing Deposits	24,979	30,781	22,208	22,880	20,146	13,007
Total Deposits	40,319	45,281	36,074	35,725	29,689	19,323
Short-Term Borrowings	-	27.7	9.36	599.95	42.06	316.36
Current Portion of Long-Term Debt	-	3,519	3,017	824.39	512.69	679.87
Current Portion of Leases	-	24.78	22.83	42.15	30.79	28.53
Current Income Taxes Payable	-	-	78.69	151.92	45.06	290.51
Other Current Liabilities	-	298.44	336.74	279.72	238.44	747.02
Long-Term Debt	5,178	961.98	1,855	1,880	1,789	1,965
Long-Term Leases	-	61.74	71.48	76.04	77.21	83.96
Other Long-Term Liabilities	2,321	-	-	-	-	-
Total Liabilities	47,817	51,362	42,648	40,536	33,000	24,050

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	7,388	86.63	86.63	86.63	86.63	86.63
Additional Paid-In Capital	-	2.62	2.62	2.62	2.62	2.62
Retained Earnings	-	6,544	5,144	3,976	2,690	1,890
Comprehensive Income & Other	-	195.9	197.81	199.72	72.92	74.44
Shareholders' Equity	7,388	6,829	5,431	4,265	2,852	2,054
Total Liabilities & Equity	55,206	58,191	48,079	44,800	35,852	26,104

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	5,178	4,595	4,975	3,422	2,452	3,074
Net Cash (Debt)	-3,808	7,541	1,940	5,786	4,315	3,284
Net Cash Growth	-	288.63%	-66.47%	34.11%	31.37%	-0.61%
Net Cash Per Share	-	5.22	1.34	4.01	2.99	2.27
Filing Date Shares Outstanding	-	1,444	1,444	1,444	1,444	1,444
Total Common Shares Outstanding	-	1,444	1,444	1,444	1,444	1,444
Book Value Per Share	-	4.73	3.76	2.95	1.98	1.42
Tangible Book Value	7,388	6,398	5,056	3,973	2,642	1,709
Tangible Book Value Per Share	-	4.43	3.50	2.75	1.83	1.18

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 31, 2026

Data Sources Report a data error