CalBank PLC (GHSE:CAL)

CalBank Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	933.87	1,099	1,282	980.67	927.35
Interest Paid on Deposits	478.51	557.58	689.18	511.12	404.48
Net Interest Income	455.35	541.34	593.1	469.55	522.87
Net Interest Income Growth (YoY)	-15.88%	-8.73%	26.31%	-10.20%	0.92%
Income From Trading Activities	90.52	176.81	114.77	192.63	130.9
Gain (Loss) on Sale of Assets	-	-2.03	-	1.55	-
Other Non-Interest Income	256.64	116.6	83.8	81.99	34.84
Total Non-Interest Income	347.16	291.38	198.57	276.18	165.73
Non-Interest Income Growth (YoY)	19.14%	46.74%	-28.10%	66.64%	111.70%
Revenues Before Loan Losses	802.51	832.71	791.66	745.72	688.61
Provision for Loan Losses	-193.18	1,229	1,451	82.38	86.84
Revenue	995.69	-396.19	-659.58	663.35	601.76
Revenue Growth (YoY)	-	-	-	10.23%	17.92%
Salaries and Employee Benefits	225.51	175.31	159.17	153.92	142.74
Occupancy Expenses	59.01	54.31	47.28	37.88	34.6
Selling, General & Administrative	-	2.47	2.14	1.91	3.06
Other Non-Interest Expense	297.02	317.92	204.01	132.13	136.74
Total Non-Interest Expense	581.53	550.01	412.6	325.83	317.13
EBT Excluding Unusual Items	414.16	-946.2	-1,072	337.52	284.63
Pretax Income	414.16	-946.2	-1,072	337.52	284.63
Income Tax Expense	146.44	-275.13	-262.37	114.67	70.83
Net Income	267.72	-671.07	-809.81	222.85	213.8
Net Income to Common	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)	40.15%	-	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	35.36%	-	-	33.97%	24.88%

Source: S&P Capital IQ. Banks template. Financial Sources.