NCBA Group Balance Sheet

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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 & Equivalents	21,579	98,029	80,699	94,227	46,871	82,247
Investment Securities	311,239	239,158	220,094	240,019	231,261	211,165
Trading Asset Securities	140.28	145.2	140.1	1,661	1,093	1,136
Total Investments	311,379	239,303	220,234	241,680	232,354	212,302
Gross Loans	324,395	325,489	309,145	350,902	297,180	272,271
Allowance for Loan Losses	-	-18,571	-15,213	-20,688	-21,147	-30,807
Net Loans	324,395	306,918	293,932	330,214	276,033	241,464
Property, Plant & Equipment	5,007	7,873	7,799	5,513	5,298	5,461
Goodwill	-	34	34	34	34	34
Other Intangible Assets	7,375	7,264	7,455	7,779	5,810	6,083
Other Receivables	996.4	22,606	18,569	15,848	18,584	9,817
Restricted Cash	39,018	18,296	21,831	24,948	21,800	20,074
Other Current Assets	521.72	3,199	2,580	1,200	1,653	982.61
Long-Term Deferred Tax Assets	9,339	9,955	10,014	12,275	10,301	11,833
Other Long-Term Assets	21,506	2,570	2,796	903.44	923.79	791.41
Total Assets	741,116	716,047	665,944	734,621	619,662	591,088
Accrued Expenses	-	9,757	7,631	8,223	7,939	7,995
Interest Bearing Deposits	556,049	286,949	279,054	337,665	261,130	253,455
Non-Interest Bearing Deposits	-	255,254	236,370	268,418	247,461	231,210
Total Deposits	556,049	542,203	515,424	606,082	508,590	484,665
Current Portion of Long-Term Debt	-	1,650	2,843	3,353	1,706	2,199
Current Portion of Leases	-	1,237	1,183	595.48	2,872	2,896
Current Income Taxes Payable	4,743	3,294	7.7	207.74	626.51	2,761
Other Current Liabilities	767.35	19,845	16,610	13,248	12,263	7,983
Long-Term Debt	6,746	5,915	7,329	3,059	2,500	3,898
Long-Term Leases	-	2,643	2,988	3,190	742.36	704.08
Other Long-Term Liabilities	39,445	2,077	2,213	-	-	-
Total Liabilities	607,750	588,622	556,229	637,958	537,240	513,101
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	102,970	97,002	83,075	69,843	54,977	48,232
Comprehensive Income & Other	766.06	790.87	-3,007	-2,842	-2,217	-30.51
Total Common Equity	133,398	127,455	109,730	96,663	82,422	77,863
Minority Interest	-32.03	-29.02	-15.37	-	-	123.93
Shareholders' Equity	133,366	127,426	109,715	96,663	82,422	77,987
Total Liabilities & Equity	741,116	716,047	665,944	734,621	619,662	591,088
Total Debt	6,746	11,446	14,343	10,197	7,822	9,696
Net Cash (Debt)	66,397	86,729	66,496	85,691	40,143	73,687
Net Cash Growth	3.00%	30.43%	-22.40%	113.47%	-45.52%	53.60%
Net Cash Per Share	40.29	52.64	40.36	52.01	24.37	44.73
Filing Date Shares Outstanding	1,648	1,648	1,648	1,648	1,648	1,648
Total Common Shares Outstanding	1,648	1,648	1,648	1,648	1,648	1,648
Book Value Per Share	80.97	77.36	66.60	58.67	50.03	47.26
Tangible Book Value	126,023	120,157	102,241	88,850	76,578	71,746
Tangible Book Value Per Share	76.49	72.93	62.06	53.93	46.48	43.55