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	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	912.98	874.1	933.87	1,099	1,282	980.67
Interest Paid on Deposits	314.51	360.51	478.51	557.58	689.18	511.12
Net Interest Income	598.47	513.59	455.35	541.34	593.1	469.55
Net Interest Income Growth (YoY)	43.43%	12.79%	-15.88%	-8.73%	26.31%	-10.20%
Income From Trading Activities	214.28	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	230.82	222.43	217.73	116.6	83.8	81.99
Total Non-Interest Income	445.09	372.45	347.16	291.38	198.57	276.18
Non-Interest Income Growth (YoY)	35.99%	7.28%	19.14%	46.74%	-28.10%	66.64%
Revenues Before Loan Losses	1,044	886.04	802.51	832.71	791.66	745.72
Provision for Loan Losses	-172.06	-193.73	-193.18	1,229	1,451	82.38
Revenue	1,216	1,080	995.69	-396.19	-659.58	663.35
Revenue Growth (YoY)	26.66%	8.44%	-	-	-	10.23%
Salaries and Employee Benefits	331.7	309.41	225.51	175.31	159.17	153.92
Occupancy Expenses	62.67	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	239.41	226.79	293.83	317.92	204.01	132.13
Total Non-Interest Expense	635.21	598.37	581.53	550.01	412.6	325.83
EBT Excluding Unusual Items	580.4	481.4	414.16	-946.2	-1,072	337.52
Pretax Income	580.4	481.4	414.16	-946.2	-1,072	337.52
Income Tax Expense	204.31	176.49	146.44	-275.13	-262.37	114.67
Net Income	376.1	304.91	267.72	-671.07	-809.81	222.85
Net Income to Common	376.1	304.91	267.72	-671.07	-809.81	222.85
Net Income Growth	47.25%	13.89%	-	-	-	4.23%
Basic Shares Outstanding	4,233	1,815	1,293	627	627	625
Diluted Shares Outstanding	4,233	1,815	1,317	627	627	625
Shares Change (YoY)	-	37.82%	110.24%	-	0.18%	-0.00%
EPS (Basic)	0.09	0.17	0.21	-1.07	-1.29	0.36
EPS (Diluted)	0.09	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	35.20%	36.66%	35.36%	-	-	33.97%

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