Access Bank Botswana Limited (BSM:ACC)

Access Bank Botswana Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,014	939	888.5	900.89	810.72	700.28
Interest Paid on Deposits	663.32	570.18	474.64	492.12	411.55	299.55
Net Interest Income	350.61	368.82	413.86	408.77	399.17	400.73
Net Interest Income Growth	-14.94%	-10.88%	1.25%	2.40%	-0.39%	-5.05%
Income From Trading Activities	111.66	84.03	38.66	31.74	32.56	38.33
Gain (Loss) on Sale of Investments	-13.31	-13.31	-9.55	-	-	-21.25
Other Non-Interest Income	306.4	289.81	257.79	172.29	119.74	100.97
Total Non-Interest Income	404.75	360.54	286.91	204.03	152.3	118.06
Non-Interest Income Growth	25.35%	25.66%	40.62%	33.96%	29.01%	-1.29%
Revenues Before Loan Losses	755.36	729.36	700.77	612.8	551.47	518.79
Provision for Loan Losses	72.41	80.21	39.53	14.7	18.01	21.39
Revenue	682.95	649.15	661.24	598.1	533.47	497.4
Revenue Growth	4.50%	-1.83%	10.56%	12.12%	7.25%	-7.54%
Salaries and Employee Benefits	313.4	252.5	211.67	207.8	182.99	164.74
Occupancy Expenses	47.28	44.82	47.52	74.66	68.02	46.25
Selling, General & Administrative	170.54	172.61	195.15	187.07	166.27	166.81
Other Non-Interest Expense	73.74	75.66	72.27	76.29	87.65	98.75
Total Non-Interest Expense	604.96	545.58	526.61	545.82	504.93	476.55
EBT Excluding Unusual Items	77.99	103.57	134.63	52.28	28.54	20.84
Pretax Income	77.99	103.57	134.63	52.28	28.54	20.84
Income Tax Expense	11.77	23.7	34.5	10.17	52.83	4.09
Net Income	66.22	79.88	100.13	42.1	-24.29	16.76
Net Income to Common	66.22	79.88	100.13	42.1	-24.29	16.76
Net Income Growth	-34.71%	-20.23%	137.81%	-	-	-81.05%
Basic Shares Outstanding	725	725	725	725	725	725
Diluted Shares Outstanding	725	725	725	725	725	725
Shares Change	-33.14%	-	-	-	-	-
EPS (Basic)	0.09	0.11	0.14	0.06	-0.03	0.02
EPS (Diluted)	0.09	0.11	0.14	0.06	-0.03	0.02
EPS Growth	-2.35%	-20.23%	137.81%	-	-	-81.05%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	-	0.059	0.040	0.207	0.022
Dividend Growth	-	-	47.50%	-80.68%	840.91%	-
Effective Tax Rate	15.09%	22.88%	25.63%	19.46%	185.10%	19.62%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Oct 9, 2026

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