NCB Financial Group Limited (JMSE:NCBFG)

NCB Financial Group Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Cash & Equivalents	107,416	95,651	175,572	220,641	206,447
Investment Securities	1,032,446	932,263	840,008	715,191	692,282
Trading Asset Securities	1,918	1,492	826.74	874.47	767.44
Total Investments	1,034,364	933,755	840,835	716,066	693,049
Gross Loans	633,922	640,107	624,543	591,262	534,927
Allowance for Loan Losses	-19,577	-17,105	-15,336	-13,714	-15,494
Net Loans	614,345	623,002	609,207	577,548	519,433
Property, Plant & Equipment	34,604	32,608	34,123	34,189	33,456
Goodwill	-	-	20,351	20,351	20,351
Other Intangible Assets	48,531	54,290	33,631	34,339	32,196
Investments in Real Estate	38,877	37,487	36,593	38,714	38,218
Accrued Interest Receivable	3,990	3,238	14,549	3,439	4,056
Other Receivables	171,921	170,416	39,416	49,749	36,965
Restricted Cash	-	-	48,902	45,492	41,248
Other Current Assets	3,426	4,337	296,065	259,818	227,342
Long-Term Deferred Tax Assets	24,260	23,488	22,711	26,199	14,421
Other Real Estate Owned & Foreclosed	-	-	680.53	1,028	1,732
Other Long-Term Assets	324,262	337,739	26,456	47,224	44,931
Total Assets	2,405,997	2,316,011	2,199,090	2,078,186	1,917,128
Accrued Expenses	-	-	18,733	14,096	13,751
Interest Bearing Deposits	809,409	783,967	762,488	732,443	663,285
Total Deposits	809,409	783,967	762,488	732,443	663,285
Short-Term Borrowings	280,538	299,522	279,764	247,677	224,851
Current Portion of Long-Term Debt	-	-	78,883	33,472	45,192
Current Portion of Leases	-	-	1,387	856.2	947.81
Current Income Taxes Payable	-	-	559.31	-	-
Accrued Interest Payable	-	-	666.17	356.96	410.4
Other Current Liabilities	42,968	42,036	82,806	76,492	67,982
Long-Term Debt	305,228	301,433	226,332	251,871	176,074
Long-Term Leases	7,294	4,281	3,615	4,317	4,430
Pension & Post-Retirement Benefits	6,815	8,091	21,265	10,343	14,369
Long-Term Deferred Tax Liabilities	7,902	6,986	7,917	9,126	9,254
Other Long-Term Liabilities	691,507	658,951	543,929	479,730	462,368
Total Liabilities	2,151,662	2,105,268	2,028,344	1,884,977	1,710,463
Common Stock	161,190	161,171	153,827	153,827	153,827
Additional Paid-In Capital	-	-	18,712	18,379	-
Retained Earnings	202,971	178,024	171,202	192,903	164,501
Treasury Stock	-25,675	-25,675	-25,675	-26,653	-27,199
Comprehensive Income & Other	-139,409	-141,226	-175,944	-192,359	-129,673
Total Common Equity	199,077	172,295	142,123	146,098	161,456
Minority Interest	55,258	38,448	28,624	47,111	45,209
Shareholders' Equity	254,335	210,743	170,746	193,209	206,665
Total Liabilities & Equity	2,405,997	2,316,011	2,199,090	2,078,186	1,917,128
Total Debt	593,060	605,236	589,981	538,194	451,495
Net Cash (Debt)	-474,257	-502,485	-404,816	-308,378	-234,613
Net Cash Per Share	-196.62	-211.69	-171.45	-134.18	-103.07
Filing Date Shares Outstanding	2,412	2,412	2,298	2,298	2,295
Total Common Shares Outstanding	2,412	2,412	2,298	2,298	2,295
Book Value Per Share	82.52	71.44	61.84	63.57	70.36
Tangible Book Value	150,546	118,004	88,141	91,408	108,909
Tangible Book Value Per Share	62.40	48.93	38.35	39.77	47.46

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