CalBank 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	837.71	933.87	1,099	1,282	980.67	927.35
Interest Paid on Deposits	390.12	478.51	557.58	689.18	511.12	404.48
Net Interest Income	447.59	455.35	541.34	593.1	469.55	522.87
Net Interest Income Growth (YoY)	2.45%	-15.88%	-8.73%	26.31%	-10.20%	0.92%
Income From Trading Activities	115.9	90.52	176.81	114.77	192.63	130.9
Gain (Loss) on Sale of Assets	38.91	38.91	-2.03	-	1.55	-
Other Non-Interest Income	208.28	217.73	116.6	83.8	81.99	34.84
Total Non-Interest Income	363.09	347.16	291.38	198.57	276.18	165.73
Non-Interest Income Growth (YoY)	8.30%	19.14%	46.74%	-28.10%	66.64%	111.70%
Revenues Before Loan Losses	810.68	802.51	832.71	791.66	745.72	688.61
Provision for Loan Losses	-148.46	-193.18	1,229	1,451	82.38	86.84
Revenue	959.14	995.69	-396.19	-659.58	663.35	601.76
Revenue Growth (YoY)	-	-	-	-	10.23%	17.92%
Salaries and Employee Benefits	260.05	225.51	175.31	159.17	153.92	142.74
Occupancy Expenses	57.46	59.01	54.31	47.28	37.88	34.6
Selling, General & Administrative	3.18	3.18	2.47	2.14	1.91	3.06
Other Non-Interest Expense	213.41	293.83	317.92	204.01	132.13	136.74
Total Non-Interest Expense	534.11	581.53	550.01	412.6	325.83	317.13
EBT Excluding Unusual Items	425.02	414.16	-946.2	-1,072	337.52	284.63
Pretax Income	425.02	414.16	-946.2	-1,072	337.52	284.63
Income Tax Expense	157.32	146.44	-275.13	-262.37	114.67	70.83
Net Income	267.7	267.72	-671.07	-809.81	222.85	213.8
Net Income to Common	267.7	267.72	-671.07	-809.81	222.85	213.8
Net Income Growth	-	-	-	-	4.23%	23.29%
Basic Shares Outstanding	-	854	627	627	625	625
Diluted Shares Outstanding	-	878	627	627	625	625
Shares Change (YoY)	-	40.14%	-	0.18%	-0.00%	-0.03%
EPS (Basic)	-	0.31	-1.07	-1.29	0.36	0.34
EPS (Diluted)	-	0.30	-1.07	-1.29	0.36	0.34
EPS Growth	-	-	-	-	4.24%	23.33%
Dividend Per Share	-	-	-	-	0.140	0.110
Dividend Growth	-	-	-	-	27.27%	23.60%
Effective Tax Rate	37.02%	35.36%	-	-	33.97%	24.88%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.