GHSE:ADB 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	1,883	1,572	1,044	892.37	728.24	628.96
Interest Paid on Deposits	793.15	848.45	669.64	470.05	247.91	213.55
Net Interest Income	1,090	723.18	373.92	422.32	480.33	415.41
Net Interest Income Growth (YoY)	106.77%	93.41%	-11.46%	-12.08%	15.63%	38.43%
Income From Trading Activities	74.58	70.74	140.86	122.85	55.87	52.61
Gain (Loss) on Sale of Investments	-7.57	-7.57	51.38	-375.15	-	-
Other Non-Interest Income	247.91	210.83	147.65	102.52	103.62	85.95
Total Non-Interest Income	314.92	274	339.89	-149.77	159.49	138.56
Non-Interest Income Growth (YoY)	-9.38%	-19.38%	-	-	15.10%	9.16%
Revenues Before Loan Losses	1,405	997.18	713.81	272.55	639.82	553.97
Provision for Loan Losses	400.11	302.92	838.31	55.06	41.78	23.16
Revenue	1,005	694.26	-124.5	217.48	598.03	530.81
Revenue Growth (YoY)	725.27%	-	-	-63.63%	12.67%	29.02%
Salaries and Employee Benefits	536.57	494.64	387.98	336.03	250.28	233.47
Occupancy Expenses	73.39	72.88	62.58	58.38	66.95	61.56
Selling, General & Administrative	39.03	39.03	31.04	-	20.71	22.97
Other Non-Interest Expense	310.12	312.8	253.02	187.43	134	115.13
Total Non-Interest Expense	959.11	919.35	734.63	581.84	471.94	433.12
EBT Excluding Unusual Items	45.98	-225.09	-859.13	-364.36	126.1	97.69
Pretax Income	45.98	-225.09	-859.13	-364.36	126.1	97.69
Income Tax Expense	-159.5	-260.15	-30.31	6.92	44.5	32.29
Net Income	205.49	35.06	-828.82	-371.28	81.6	65.4
Net Income to Common	205.49	35.06	-828.82	-371.28	81.6	65.4
Net Income Growth	-	-	-	-	24.77%	341.20%
Basic Shares Outstanding	125,133	1,653	347	347	347	347
Diluted Shares Outstanding	125,133	1,653	347	347	347	347
Shares Change (YoY)	10965.99%	376.34%	-0.00%	0.00%	-	0.64%
EPS (Basic)	0.00	0.02	-2.39	-1.07	0.24	0.19
EPS (Diluted)	0.00	0.02	-2.39	-1.07	0.24	0.19
EPS Growth	-	-	-	-	24.77%	338.37%
Effective Tax Rate	-	-	-	-	35.29%	33.05%

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