Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia
· Delayed Price · Currency is ZMW 9.93
-0.01 (-0.10%)
At close: Mar 6, 2026
LUSE:ZNCO Balance Sheet
Financials in millions ZMW. Fiscal year is January - December.
Millions ZMW. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | 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 | 2020 - 2016 |
| Cash & Equivalents | 1,190 | 4,609 | 6,398 | 4,821 | 3,777 | Upgrade
|
| Investment Securities | 13,489 | 11,863 | 11,637 | 12,819 | 6,654 | Upgrade
|
| Trading Asset Securities | - | 2,306 | 2,810 | 1,946 | 2,582 | Upgrade
|
| Total Investments | 13,489 | 14,169 | 14,447 | 14,765 | 9,236 | Upgrade
|
| Gross Loans | 24,003 | 20,940 | 16,964 | 12,702 | 10,250 | Upgrade
|
| Allowance for Loan Losses | - | -523.53 | -453.23 | -355.82 | -434.66 | Upgrade
|
| Net Loans | 24,003 | 20,416 | 16,511 | 12,346 | 9,815 | Upgrade
|
| Property, Plant & Equipment | 1,143 | 710.48 | 725.1 | 520.06 | 523.87 | Upgrade
|
| Other Intangible Assets | - | 375.11 | 291.53 | 209.46 | 344.43 | Upgrade
|
| Other Receivables | 8,560 | - | - | - | - | Upgrade
|
| Restricted Cash | 8,236 | 7,077 | 5,924 | 2,699 | 1,758 | Upgrade
|
| Other Current Assets | - | 352.83 | 198.45 | 215.56 | 391.64 | Upgrade
|
| Long-Term Deferred Tax Assets | - | 369.7 | 304.86 | 275.53 | 258.69 | Upgrade
|
| Other Long-Term Assets | 3,255 | - | - | - | - | Upgrade
|
| Total Assets | 59,876 | 48,079 | 44,800 | 35,852 | 26,104 | Upgrade
|
| Accrued Expenses | - | 988.89 | 806.91 | 440.28 | 563.15 | Upgrade
|
| Interest Bearing Deposits | 15,538 | 13,866 | 12,845 | 9,543 | 6,316 | Upgrade
|
| Non-Interest Bearing Deposits | 29,216 | 22,208 | 22,880 | 20,146 | 13,007 | Upgrade
|
| Total Deposits | 44,754 | 36,074 | 35,725 | 29,689 | 19,323 | Upgrade
|
| Short-Term Borrowings | - | 9.36 | 599.95 | 42.06 | 316.36 | Upgrade
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| Current Portion of Long-Term Debt | - | 3,017 | 824.39 | 512.69 | 679.87 | Upgrade
|
| Current Portion of Leases | - | 22.83 | 42.15 | 30.79 | 28.53 | Upgrade
|
| Current Income Taxes Payable | - | 78.69 | 151.92 | 45.06 | 290.51 | Upgrade
|
| Other Current Liabilities | 2,045 | 336.74 | 279.72 | 238.44 | 747.02 | Upgrade
|
| Long-Term Debt | 5,811 | 1,855 | 1,880 | 1,789 | 1,965 | Upgrade
|
| Long-Term Leases | - | 71.48 | 76.04 | 77.21 | 83.96 | Upgrade
|
| Total Liabilities | 52,611 | 42,648 | 40,536 | 33,000 | 24,050 | Upgrade
|
| Common Stock | 7,265 | 86.63 | 86.63 | 86.63 | 86.63 | Upgrade
|
| Additional Paid-In Capital | - | 2.62 | 2.62 | 2.62 | 2.62 | Upgrade
|
| Retained Earnings | - | 5,144 | 3,976 | 2,690 | 1,890 | Upgrade
|
| Comprehensive Income & Other | - | 197.81 | 199.72 | 72.92 | 74.44 | Upgrade
|
| Shareholders' Equity | 7,265 | 5,431 | 4,265 | 2,852 | 2,054 | Upgrade
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| Total Liabilities & Equity | 59,876 | 48,079 | 44,800 | 35,852 | 26,104 | Upgrade
|
| Total Debt | 5,811 | 4,975 | 3,422 | 2,452 | 3,074 | Upgrade
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| Net Cash (Debt) | -4,621 | 1,940 | 5,786 | 4,315 | 3,284 | Upgrade
|
| Net Cash Growth | - | -66.47% | 34.11% | 31.37% | -0.61% | Upgrade
|
| Net Cash Per Share | - | 1.34 | 4.01 | 2.99 | 2.27 | Upgrade
|
| Filing Date Shares Outstanding | - | 1,444 | 1,444 | 1,444 | 1,444 | Upgrade
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| Total Common Shares Outstanding | - | 1,444 | 1,444 | 1,444 | 1,444 | Upgrade
|
| Book Value Per Share | - | 3.76 | 2.95 | 1.98 | 1.42 | Upgrade
|
| Tangible Book Value | 7,265 | 5,056 | 3,973 | 2,642 | 1,709 | Upgrade
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| Tangible Book Value Per Share | - | 3.50 | 2.75 | 1.83 | 1.18 | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.