Access Bank (Ghana) Plc (GHSE:ACCESS)
Ghana · Delayed Price · Currency is GHS 31.89
0.00 (0.00%)
At close: Aug 10, 2026
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 | Jun '26 Jun 30, 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 | 1,596 | 1,710 | 1,784 | 1,278 | 993.29 | 746.03 |
Interest Paid on Deposits | 750.79 | 932.77 | 942.26 | 680.43 | 458.4 | 284.91 |
Net Interest Income | 845.59 | 777.37 | 842.08 | 597.82 | 534.89 | 461.12 |
Net Interest Income Growth | -3.90% | -7.68% | 40.86% | 11.76% | 16.00% | 22.97% |
Income From Trading Activities | 370.07 | 383.32 | 715.65 | 677.83 | 469.68 | 304.55 |
Gain (Loss) on Sale of Assets | 0.61 | 0.61 | 1.24 | 0.65 | 0.51 | 0.25 |
Other Non-Interest Income | 187.92 | 301.28 | 409.02 | 336.86 | 145.69 | 65.92 |
Total Non-Interest Income | 558.61 | 685.21 | 1,126 | 1,015 | 615.89 | 370.72 |
Non-Interest Income Growth | -50.55% | -39.14% | 10.89% | 64.86% | 66.13% | 77.32% |
Revenues Before Loan Losses | 1,404 | 1,463 | 1,968 | 1,613 | 1,151 | 831.84 |
Provision for Loan Losses | 25.65 | 30.5 | 387.71 | 127.4 | 1,264 | 104.23 |
| 1,379 | 1,432 | 1,580 | 1,486 | -113.28 | 727.61 | |
Revenue Growth | -15.08% | -9.38% | 6.36% | - | - | 28.32% |
Salaries and Employee Benefits | 322.71 | 322.68 | 252.96 | 184.66 | 143.66 | 89.36 |
Occupancy Expenses | 107.69 | 110.83 | 88.49 | 56.4 | 27.64 | 24.91 |
Other Non-Interest Expense | 339.58 | 343.98 | 279.28 | 206.87 | 156.01 | 112.43 |
Total Non-Interest Expense | 769.97 | 777.5 | 620.73 | 447.92 | 327.32 | 226.7 |
EBT Excluding Unusual Items | 608.58 | 654.59 | 959.55 | 1,038 | -440.6 | 500.91 |
Asset Writedown | -0.29 | -0.29 | -0.35 | -0.02 | - | - |
Pretax Income | 608.29 | 654.3 | 959.2 | 1,038 | -440.6 | 500.91 |
Income Tax Expense | 351.73 | 367.83 | 422.29 | 419.35 | -102.47 | 179.33 |
Net Income | 256.56 | 286.47 | 536.91 | 618.47 | -338.14 | 321.58 |
Net Income to Common | 256.56 | 286.47 | 536.91 | 618.47 | -338.14 | 321.58 |
Net Income Growth | -46.51% | -46.64% | -13.19% | - | - | 33.55% |
Basic Shares Outstanding | 174 | 174 | 174 | 174 | 174 | 174 |
Diluted Shares Outstanding | 174 | 174 | 174 | 174 | 174 | 174 |
Shares Change | -0.08% | - | - | - | - | -1.75% |
EPS (Basic) | 1.48 | 1.65 | 3.09 | 3.56 | -1.94 | 1.85 |
EPS (Diluted) | 1.48 | 1.65 | 3.09 | 3.56 | -1.94 | 1.85 |
EPS Growth | -46.47% | -46.64% | -13.19% | - | - | 35.93% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Dividend Per Share | 0.624 | 0.624 | 0.364 | - | 0.794 | 0.793 |
Dividend Growth | 71.22% | 71.22% | - | - | 0.19% | 244.73% |
Effective Tax Rate | 57.82% | 56.22% | 44.02% | 40.41% | - | 35.80% |