GHSE:ADB Income Statement

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
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
Interest Income on Loans	2,094	1,572	1,044	892.37	728.24
Interest Paid on Deposits	723.6	848.45	669.64	470.05	247.91
Net Interest Income	1,370	723.18	373.92	422.32	480.33
Net Interest Income Growth (YoY)	89.48%	93.41%	-11.46%	-12.08%	15.63%
Income From Trading Activities	106.47	70.74	140.86	122.85	55.87
Gain (Loss) on Sale of Investments	-22.44	-7.57	51.38	-375.15	-
Other Non-Interest Income	268.7	210.83	147.65	102.52	103.62
Total Non-Interest Income	352.72	274	339.89	-149.77	159.49
Non-Interest Income Growth (YoY)	28.73%	-19.38%	-	-	15.10%
Revenues Before Loan Losses	1,723	997.18	713.81	272.55	639.82
Provision for Loan Losses	231.78	302.92	838.31	55.06	41.78
Revenue	1,491	694.26	-124.5	217.48	598.03
Revenue Growth (YoY)	114.79%	-	-	-63.63%	12.67%
Salaries and Employee Benefits	514.08	494.64	387.98	336.03	250.28
Occupancy Expenses	71.85	72.88	62.58	58.38	66.95
Selling, General & Administrative	-	39.03	31.04	-	20.71
Other Non-Interest Expense	324.45	312.8	253.02	187.43	134
Total Non-Interest Expense	910.37	919.35	734.63	581.84	471.94
EBT Excluding Unusual Items	580.82	-225.09	-859.13	-364.36	126.1
Pretax Income	580.82	-225.09	-859.13	-364.36	126.1
Income Tax Expense	213.53	-260.15	-30.31	6.92	44.5
Net Income	367.29	35.06	-828.82	-371.28	81.6
Net Income to Common	367.29	35.06	-828.82	-371.28	81.6
Net Income Growth	947.58%	-	-	-	24.77%
Basic Shares Outstanding	1,670	1,653	347	347	347
Diluted Shares Outstanding	1,670	1,653	347	347	347
Shares Change (YoY)	1.02%	376.34%	-0.00%	0.00%	-
EPS (Basic)	0.22	0.02	-2.39	-1.07	0.24
EPS (Diluted)	0.22	0.02	-2.39	-1.07	0.24
EPS Growth	1000.00%	-	-	-	24.77%
Effective Tax Rate	36.76%	-	-	-	35.29%

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