An Analysis of the Financial Performance of National Credit and Commerce Bank PLC (NCC Bank PLC)

This study contributes a comprehensive eleven-year financial performance analysis of NCC Bank PLC from 2015 to 2025, integrating profitability, asset quality, liquidity, and capital adequacy indicators. Unlike a single-year assessment, the study identifies long-term trends and changes in the bank’s financial condition. A key contribution is the identification of the bank’s profitability pressure during 2018–2024 and its significant recovery in 2025. The study also links this recovery with improved asset quality, particularly the decline in the non-performing loan ratio to 4.12%, along with strong liquidity and capital adequacy. Furthermore, the study highlights an interesting market-valuation finding: although EPS nearly doubled to Tk. 4.38 in 2025, the P/E ratio declined to 2.79 times. Overall, the study provides an integrated view of NCC Bank’s financial stability, performance recovery, and investor-related performance.