NCBA Group Balance Sheet

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
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
Cash & Equivalents	22,568	19,636	14,691	46,871	82,247	64,149
Investment Securities	271,151	273,438	312,348	231,261	211,165	162,149
Trading Asset Securities	104.41	-	-	1,093	1,136	922.96
Total Investments	271,255	273,438	312,348	232,354	212,302	163,072
Gross Loans	316,513	324,082	361,621	297,180	272,271	278,452
Allowance for Loan Losses	-13,554	-11,326	-15,526	-21,147	-30,807	-30,945
Other Adjustments to Gross Loans	-10,241	-10,678	-9,077	-	-	-
Net Loans	292,718	302,078	337,018	276,033	241,464	247,507
Property, Plant & Equipment	4,873	4,333	2,252	5,298	5,461	6,260
Goodwill	-	-	-	34	34	34
Other Intangible Assets	7,129	7,455	7,779	5,810	6,083	6,446
Other Receivables	647.54	1,881	59.29	18,584	9,817	10,268
Restricted Cash	35,736	24,043	28,637	21,800	20,074	18,204
Other Current Assets	521.79	521.88	522	1,653	982.61	1,428
Long-Term Deferred Tax Assets	7,242	10,014	12,275	10,301	11,833	9,630
Other Long-Term Assets	22,629	22,543	19,041	923.79	791.41	871.04
Total Assets	665,319	665,944	734,621	619,662	591,088	527,868
Accrued Expenses	-	-	-	7,939	7,995	3,450
Interest Bearing Deposits	491,263	515,424	587,042	261,130	253,455	227,551
Non-Interest Bearing Deposits	-	-	-	247,461	231,210	200,257
Total Deposits	491,263	515,424	587,042	508,590	484,665	427,808
Current Portion of Long-Term Debt	-	-	-	1,706	2,199	7,200
Current Portion of Leases	-	-	-	2,872	2,896	-
Current Income Taxes Payable	1,288	7.7	207.74	626.51	2,761	8.65
Other Current Liabilities	727.07	674.53	241.32	12,263	7,983	33.39
Long-Term Debt	7,594	10,172	25,452	2,500	3,898	6,119
Long-Term Leases	-	-	-	742.36	704.08	3,779
Long-Term Deferred Tax Liabilities	-	-	-	-	-	21.01
Other Long-Term Liabilities	44,198	29,950	25,015	-	-	6,901
Total Liabilities	545,070	556,229	637,958	537,240	513,101	455,320
Common Stock	8,238	8,238	8,238	8,238	8,238	8,238
Additional Paid-In Capital	21,424	21,424	21,424	21,424	21,424	21,424
Retained Earnings	89,988	83,075	69,843	54,977	48,232	41,639
Comprehensive Income & Other	625.02	-3,007	-2,842	-2,217	-30.51	1,047
Total Common Equity	120,275	109,730	96,663	82,422	77,863	72,349
Minority Interest	-25.71	-15.37	-	-	123.93	199.78
Shareholders' Equity	120,249	109,715	96,663	82,422	77,987	72,548
Total Liabilities & Equity	665,319	665,944	734,621	619,662	591,088	527,868
Total Debt	7,594	10,172	25,452	7,822	9,696	17,098
Net Cash (Debt)	60,504	62,420	55,988	40,143	73,687	47,973
Net Cash Growth	-1.11%	11.49%	39.47%	-45.52%	53.60%	82.23%
Net Cash Per Share	36.73	37.88	33.97	24.37	44.73	29.12
Filing Date Shares Outstanding	1,650	1,648	1,648	1,648	1,648	1,648
Total Common Shares Outstanding	1,650	1,648	1,648	1,648	1,648	1,648
Book Value Per Share	72.91	66.60	58.67	50.03	47.26	43.91
Tangible Book Value	113,146	102,275	88,884	76,578	71,746	65,868
Tangible Book Value Per Share	68.59	62.08	53.95	46.48	43.55	39.98

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