CalBank PLC (GHSE:CAL)
Ghana · Delayed Price · Currency is GHS 0.7900
-0.0100 (-1.25%)
At close: Jul 21, 2026
CalBank 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 | Jun '26 Jun 30, 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 | 928.01 | 874.1 | 933.87 | 1,099 | 1,282 | 980.67 |
Interest Paid on Deposits | 262.56 | 360.51 | 478.51 | 557.58 | 689.18 | 511.12 |
Net Interest Income | 665.45 | 513.59 | 455.35 | 541.34 | 593.1 | 469.55 |
Net Interest Income Growth (YoY) | 50.22% | 12.79% | -15.88% | -8.73% | 26.31% | -10.20% |
Income From Trading Activities | 280.03 | 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 | 252.08 | 222.43 | 217.73 | 116.6 | 83.8 | 81.99 |
Total Non-Interest Income | 532.11 | 372.45 | 347.16 | 291.38 | 198.57 | 276.18 |
Non-Interest Income Growth (YoY) | 48.46% | 7.28% | 19.14% | 46.74% | -28.10% | 66.64% |
Revenues Before Loan Losses | 1,198 | 886.04 | 802.51 | 832.71 | 791.66 | 745.72 |
Provision for Loan Losses | -46.79 | -193.73 | -193.18 | 1,229 | 1,451 | 82.38 |
| 1,244 | 1,080 | 995.69 | -396.19 | -659.58 | 663.35 | |
Revenue Growth (YoY) | 28.10% | 8.44% | - | - | - | 10.23% |
Salaries and Employee Benefits | 358.57 | 309.41 | 225.51 | 175.31 | 159.17 | 153.92 |
Occupancy Expenses | 64.71 | 60.74 | 59.01 | 54.31 | 47.28 | 37.88 |
Selling, General & Administrative | 1.43 | 1.43 | 3.18 | 2.47 | 2.14 | 1.91 |
Other Non-Interest Expense | 248.31 | 226.79 | 293.83 | 317.92 | 204.01 | 132.13 |
Total Non-Interest Expense | 673.02 | 598.37 | 581.53 | 550.01 | 412.6 | 325.83 |
EBT Excluding Unusual Items | 571.33 | 481.4 | 414.16 | -946.2 | -1,072 | 337.52 |
Pretax Income | 571.33 | 481.4 | 414.16 | -946.2 | -1,072 | 337.52 |
Income Tax Expense | 200.53 | 176.49 | 146.44 | -275.13 | -262.37 | 114.67 |
Net Income | 370.8 | 304.91 | 267.72 | -671.07 | -809.81 | 222.85 |
Net Income to Common | 370.8 | 304.91 | 267.72 | -671.07 | -809.81 | 222.85 |
Net Income Growth | 30.21% | 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 | 35.10% | 36.66% | 35.36% | - | - | 33.97% |