CalBank 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	874.1	933.87	1,099	1,282	980.67
Interest Paid on Deposits	360.51	478.51	557.58	689.18	511.12
Net Interest Income	513.59	455.35	541.34	593.1	469.55
Net Interest Income Growth (YoY)	12.79%	-15.88%	-8.73%	26.31%	-10.20%
Income From Trading Activities	150.02	90.52	176.81	114.77	192.63
Gain (Loss) on Sale of Assets	-	38.91	-2.03	-	1.55
Other Non-Interest Income	222.43	217.73	116.6	83.8	81.99
Total Non-Interest Income	372.45	347.16	291.38	198.57	276.18
Non-Interest Income Growth (YoY)	7.28%	19.14%	46.74%	-28.10%	66.64%
Revenues Before Loan Losses	886.04	802.51	832.71	791.66	745.72
Provision for Loan Losses	-193.73	-193.18	1,229	1,451	82.38
Revenue	1,080	995.69	-396.19	-659.58	663.35
Revenue Growth (YoY)	8.44%	-	-	-	10.23%
Salaries and Employee Benefits	309.41	225.51	175.31	159.17	153.92
Occupancy Expenses	60.74	59.01	54.31	47.28	37.88
Selling, General & Administrative	1.43	3.18	2.47	2.14	1.91
Other Non-Interest Expense	226.79	293.83	317.92	204.01	132.13
Total Non-Interest Expense	598.37	581.53	550.01	412.6	325.83
EBT Excluding Unusual Items	481.4	414.16	-946.2	-1,072	337.52
Pretax Income	481.4	414.16	-946.2	-1,072	337.52
Income Tax Expense	176.49	146.44	-275.13	-262.37	114.67
Net Income	304.91	267.72	-671.07	-809.81	222.85
Net Income to Common	304.91	267.72	-671.07	-809.81	222.85
Net Income Growth	13.89%	-	-	-	4.23%
Basic Shares Outstanding	1,815	1,293	627	627	625
Diluted Shares Outstanding	1,815	1,317	627	627	625
Shares Change (YoY)	37.82%	110.24%	-	0.18%	-0.00%
EPS (Basic)	0.17	0.21	-1.07	-1.29	0.36
EPS (Diluted)	0.17	0.20	-1.07	-1.29	0.36
EPS Growth	-17.38%	-	-	-	4.24%
Dividend Per Share	-	-	-	-	0.140
Dividend Growth	-	-	-	-	27.27%
Effective Tax Rate	36.66%	35.36%	-	-	33.97%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.