First Atlantic Bank PLC (GHSE:FAB)

First Atlantic Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,455	1,431	878.49	847.59	571.96	385.71
Interest Paid on Deposits	462.5	468.01	302.4	185	159.46	86.96
Net Interest Income	992.91	962.65	576.09	662.59	412.5	298.75
Net Interest Income Growth (YoY)	66.44%	67.10%	-13.05%	60.63%	38.07%	51.16%
Income From Trading Activities	179.88	160.28	335.65	254.85	6.85	33.6
Gain (Loss) on Sale of Assets	2.48	2.48	0.74	0.36	1.83	0.35
Other Non-Interest Income	187.67	177.01	181.95	127.22	95.41	57.19
Total Non-Interest Income	370.04	339.76	518.35	382.44	104.09	91.14
Non-Interest Income Growth (YoY)	-27.25%	-34.45%	35.54%	267.41%	14.21%	-18.88%
Revenues Before Loan Losses	1,363	1,302	1,094	1,045	516.59	389.89
Provision for Loan Losses	84.3	79.6	38.53	366.43	229.82	17.81
Revenue	1,279	1,223	1,056	678.6	286.76	372.08
Revenue Growth (YoY)	16.02%	15.81%	55.60%	136.64%	-22.93%	34.09%
Salaries and Employee Benefits	258.78	259.25	257.06	145.84	112.95	102.73
Occupancy Expenses	65.37	59.56	45.5	32.32	22.29	23.02
Selling, General & Administrative	17.38	17.38	16.49	12.65	22.67	16.16
Other Non-Interest Expense	283.07	254.69	251.22	197.31	109.37	89.23
Total Non-Interest Expense	623.69	590.17	569.89	387.89	266.97	230.92
EBT Excluding Unusual Items	654.96	632.65	486.02	290.7	19.79	141.16
Other Unusual Items	-	-	-	-	-	1.05
Pretax Income	654.96	632.65	486.02	290.7	19.79	142.21
Income Tax Expense	155.86	149.78	148.91	0.11	19.95	25.86
Earnings From Continuing Operations	499.1	482.87	337.11	290.6	-0.16	116.36
Minority Interest in Earnings	-0.71	-0.38	-0.19	0.14	-	-
Net Income	498.39	482.49	336.92	290.73	-0.16	116.36
Net Income to Common	498.39	482.49	336.92	290.73	-0.16	116.36
Net Income Growth	39.39%	43.21%	15.88%	-	-	35.59%
Basic Shares Outstanding	-	339	336	334	334	334
Diluted Shares Outstanding	-	339	336	334	334	334
Shares Change (YoY)	-	1.06%	0.42%	-	-	3.69%
EPS (Basic)	-	1.42	1.00	0.87	-0.00	0.35
EPS (Diluted)	-	1.42	1.00	0.87	-0.00	0.35
EPS Growth	-	42.27%	14.94%	-	-	30.74%
Dividend Per Share	0.290	0.290	0.220	-	-	0.117
Dividend Growth	31.82%	31.82%	-	-	-	-
Effective Tax Rate	23.80%	23.67%	30.64%	0.04%	100.80%	18.18%

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