Access Bank (Ghana) Income Statement

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	1,933	1,784	1,278	993.29	746.03	639.54
Interest Paid on Deposits	987.13	942.26	680.43	458.4	284.91	264.54
Net Interest Income	945.78	842.08	597.82	534.89	461.12	374.99
Net Interest Income Growth (YoY)	62.48%	40.86%	11.76%	16.00%	22.97%	105.32%
Income From Trading Activities	745.86	715.65	677.83	469.68	304.55	151.39
Gain (Loss) on Sale of Assets	1.24	1.24	0.65	0.51	0.25	-
Other Non-Interest Income	256.57	409.02	336.86	145.69	65.92	57.68
Total Non-Interest Income	1,004	1,126	1,015	615.89	370.72	209.07
Non-Interest Income Growth (YoY)	-21.70%	10.89%	64.86%	66.13%	77.32%	4.29%
Revenues Before Loan Losses	1,949	1,968	1,613	1,151	831.84	584.06
Provision for Loan Losses	383.47	387.71	127.4	1,264	104.23	17.02
Revenue	1,566	1,580	1,486	-113.28	727.61	567.04
Revenue Growth (YoY)	-9.05%	6.36%	-	-	28.32%	38.44%
Salaries and Employee Benefits	321.54	252.96	184.66	143.66	89.36	82.11
Occupancy Expenses	107.18	88.49	56.4	27.64	24.91	33.73
Other Non-Interest Expense	334.34	279.28	206.87	156.01	112.43	95.73
Total Non-Interest Expense	763.06	620.73	447.92	327.32	226.7	211.57
EBT Excluding Unusual Items	802.92	959.55	1,038	-440.6	500.91	355.47
Asset Writedown	-0.35	-0.35	-0.02	-	-	-
Pretax Income	802.57	959.2	1,038	-440.6	500.91	355.47
Income Tax Expense	367.46	422.29	419.35	-102.47	179.33	114.68
Net Income	435.11	536.91	618.47	-338.14	321.58	240.79
Net Income to Common	435.11	536.91	618.47	-338.14	321.58	240.79
Net Income Growth	-38.48%	-13.19%	-	-	33.55%	38.62%
Basic Shares Outstanding	174	174	174	174	174	177
Diluted Shares Outstanding	174	174	174	174	174	177
Shares Change (YoY)	0.12%	-	-	-	-1.75%	1.79%
EPS (Basic)	2.50	3.09	3.56	-1.94	1.85	1.36
EPS (Diluted)	2.50	3.09	3.56	-1.94	1.85	1.36
EPS Growth	-38.56%	-13.19%	-	-	35.93%	36.19%
Dividend Per Share	0.889	0.889	-	0.794	0.793	0.230
Dividend Growth	-	-	-	0.19%	244.73%	-
Effective Tax Rate	45.79%	44.02%	40.41%	-	35.80%	32.26%

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