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	Sep '26 Sep 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	944.36	874.1	933.87	1,099	1,282	980.67
Interest Paid on Deposits	224.65	360.51	478.51	557.58	689.18	511.12
Net Interest Income	719.71	513.59	455.35	541.34	593.1	469.55
Net Interest Income Growth	60.80%	12.79%	-15.88%	-8.73%	26.31%	-10.20%
Income From Trading Activities	314.57	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	290.37	222.43	217.73	116.6	83.8	81.99
Total Non-Interest Income	604.93	372.45	347.16	291.38	198.57	276.18
Non-Interest Income Growth	66.61%	7.28%	19.14%	46.74%	-28.10%	66.64%
Revenues Before Loan Losses	1,325	886.04	802.51	832.71	791.66	745.72
Provision for Loan Losses	-9.15	-193.73	-193.18	1,229	1,451	82.38
Revenue	1,334	1,080	995.69	-396.19	-659.58	663.35
Revenue Growth	39.06%	8.44%	-	-	-	10.23%
Salaries and Employee Benefits	384.66	309.41	225.51	175.31	159.17	153.92
Occupancy Expenses	66.05	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	255.07	226.79	293.83	317.92	204.01	132.13
Total Non-Interest Expense	707.22	598.37	581.53	550.01	412.6	325.83
EBT Excluding Unusual Items	626.58	481.4	414.16	-946.2	-1,072	337.52
Pretax Income	626.58	481.4	414.16	-946.2	-1,072	337.52
Income Tax Expense	208.36	176.49	146.44	-275.13	-262.37	114.67
Net Income	418.22	304.91	267.72	-671.07	-809.81	222.85
Net Income to Common	418.22	304.91	267.72	-671.07	-809.81	222.85
Net Income Growth	56.23%	13.89%	-	-	-	4.23%
Basic Shares Outstanding	3,588	1,815	1,293	627	627	625
Diluted Shares Outstanding	3,588	1,815	1,317	627	627	625
Shares Change	341.80%	37.82%	110.24%	-	0.18%	-0.00%
EPS (Basic)	0.12	0.17	0.21	-1.07	-1.29	0.36
EPS (Diluted)	0.12	0.17	0.20	-1.07	-1.29	0.36
EPS Growth	-64.64%	-17.38%	-	-	-	4.24%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	-	-	-	-	-	0.140
Dividend Growth	-	-	-	-	-	27.27%
Effective Tax Rate	33.25%	36.66%	35.36%	-	-	33.97%