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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Interest Income on Loans	1,643	1,710	1,784	1,278	993.29	746.03
Interest Paid on Deposits	866.76	932.77	942.26	680.43	458.4	284.91
Net Interest Income	775.84	777.37	842.08	597.82	534.89	461.12
Net Interest Income Growth (YoY)	-9.03%	-7.68%	40.86%	11.76%	16.00%	22.97%
Income From Trading Activities	400.33	383.32	715.65	677.83	469.68	304.55
Gain (Loss) on Sale of Assets	-	-	1.24	0.65	0.51	0.25
Other Non-Interest Income	189.24	301.89	409.02	336.86	145.69	65.92
Total Non-Interest Income	589.57	685.21	1,126	1,015	615.89	370.72
Non-Interest Income Growth (YoY)	-49.68%	-39.14%	10.89%	64.86%	66.13%	77.32%
Revenues Before Loan Losses	1,365	1,463	1,968	1,613	1,151	831.84
Provision for Loan Losses	30.5	30.5	387.71	127.4	1,264	104.23
Revenue	1,335	1,432	1,580	1,486	-113.28	727.61
Revenue Growth (YoY)	-18.44%	-9.38%	6.36%	-	-	28.32%
Salaries and Employee Benefits	326.16	322.68	252.96	184.66	143.66	89.36
Occupancy Expenses	108.58	110.83	88.49	56.4	27.64	24.91
Other Non-Interest Expense	351.5	344.27	279.28	206.87	156.01	112.43
Total Non-Interest Expense	786.24	777.78	620.73	447.92	327.32	226.7
EBT Excluding Unusual Items	548.68	654.3	959.55	1,038	-440.6	500.91
Asset Writedown	-	-	-0.35	-0.02	-	-
Pretax Income	548.68	654.3	959.2	1,038	-440.6	500.91
Income Tax Expense	330.86	367.83	422.29	419.35	-102.47	179.33
Net Income	217.82	286.47	536.91	618.47	-338.14	321.58
Net Income to Common	217.82	286.47	536.91	618.47	-338.14	321.58
Net Income Growth	-59.36%	-46.64%	-13.19%	-	-	33.55%
Basic Shares Outstanding	173	174	174	174	174	174
Diluted Shares Outstanding	173	174	174	174	174	174
Shares Change (YoY)	-0.47%	-0.19%	-	-	-	-1.75%
EPS (Basic)	1.26	1.65	3.09	3.56	-1.94	1.85
EPS (Diluted)	1.26	1.65	3.09	3.56	-1.94	1.85
EPS Growth	-59.16%	-46.54%	-13.19%	-	-	35.93%
Dividend Per Share	-	-	0.889	-	0.794	0.793
Dividend Growth	-	-	-	-	0.19%	244.73%
Effective Tax Rate	60.30%	56.22%	44.02%	40.41%	-	35.80%

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