GHSE:ADB 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	1,993	2,094	1,572	1,044	892.37	728.24
Interest Paid on Deposits	608.95	723.6	848.45	669.64	470.05	247.91
Net Interest Income	1,384	1,370	723.18	373.92	422.32	480.33
Net Interest Income Growth (YoY)	64.23%	89.48%	93.41%	-11.46%	-12.08%	15.63%
Income From Trading Activities	123.04	106.47	70.74	140.86	122.85	55.87
Gain (Loss) on Sale of Investments	-22.44	-22.44	-7.57	51.38	-375.15	-
Other Non-Interest Income	291.06	268.7	210.83	147.65	102.52	103.62
Total Non-Interest Income	391.66	352.72	274	339.89	-149.77	159.49
Non-Interest Income Growth (YoY)	38.54%	28.73%	-19.38%	-	-	15.10%
Revenues Before Loan Losses	1,776	1,723	997.18	713.81	272.55	639.82
Provision for Loan Losses	244.77	231.78	302.92	838.31	55.06	41.78
Revenue	1,531	1,491	694.26	-124.5	217.48	598.03
Revenue Growth (YoY)	89.18%	114.79%	-	-	-63.63%	12.67%
Salaries and Employee Benefits	514.01	514.08	494.64	387.98	336.03	250.28
Occupancy Expenses	70.82	71.85	72.88	62.58	58.38	66.95
Selling, General & Administrative	42.63	42.63	39.03	31.04	-	20.71
Other Non-Interest Expense	272.46	281.81	312.8	253.02	187.43	134
Total Non-Interest Expense	899.92	910.37	919.35	734.63	581.84	471.94
EBT Excluding Unusual Items	631.07	580.82	-225.09	-859.13	-364.36	126.1
Pretax Income	631.07	580.82	-225.09	-859.13	-364.36	126.1
Income Tax Expense	231.12	213.53	-260.15	-30.31	6.92	44.5
Net Income	399.95	367.29	35.06	-828.82	-371.28	81.6
Net Income to Common	399.95	367.29	35.06	-828.82	-371.28	81.6
Net Income Growth	420.34%	947.58%	-	-	-	24.77%
Basic Shares Outstanding	1,645	1,653	1,653	347	347	347
Diluted Shares Outstanding	1,645	1,653	1,653	347	347	347
Shares Change (YoY)	-17.66%	-	376.33%	-0.00%	0.00%	-
EPS (Basic)	0.24	0.22	0.02	-2.39	-1.07	0.24
EPS (Diluted)	0.24	0.22	0.02	-2.39	-1.07	0.24
EPS Growth	542.92%	1000.05%	-	-	-	24.77%
Effective Tax Rate	36.62%	36.76%	-	-	-	35.29%

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