GCB Bank Income Statement

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	5,839	4,455	3,756	2,829	2,379	1,939
Interest Paid on Deposits	1,484	1,066	860.52	721.94	484.53	430.21
Net Interest Income	4,355	3,389	2,896	2,108	1,895	1,509
Net Interest Income Growth (YoY)	45.69%	17.02%	37.40%	11.22%	25.60%	29.12%
Income From Trading Activities	737.22	460.83	425.07	487.23	157.54	166.63
Gain (Loss) on Sale of Assets	-1.38	0.21	0.5	0.32	0.14	-0.44
Gain (Loss) on Sale of Investments	-46.1	-46.1	-233.64	-1,831	-	-
Other Non-Interest Income	805.59	627	462.88	410.62	374.97	292.79
Total Non-Interest Income	1,495	1,042	654.81	-933.04	532.65	458.98
Non-Interest Income Growth (YoY)	101.76%	59.12%	-	-	16.05%	13.49%
Revenues Before Loan Losses	5,851	4,431	3,551	1,174	2,427	1,968
Provision for Loan Losses	391.78	427.18	199.32	274.05	324.8	219.65
Revenue	5,459	4,003	3,351	900.41	2,103	1,748
Revenue Growth (YoY)	41.45%	19.46%	272.19%	-57.18%	20.29%	16.74%
Salaries and Employee Benefits	1,510	1,187	907.67	794.28	641.46	560.18
Occupancy Expenses	170.54	150.6	151.98	154.22	148.47	142.66
Selling, General & Administrative	69	68.52	46.71	46.17	26	43.5
Other Non-Interest Expense	779.07	699.18	695.96	621.47	450.14	379.48
Total Non-Interest Expense	2,514	2,091	1,791	1,628	1,273	1,133
EBT Excluding Unusual Items	2,945	1,913	1,560	-727.65	829.66	614.64
Legal Settlements	-5.97	-5.97	-11.79	-8.5	2.41	-2.07
Pretax Income	2,939	1,907	1,547	-743.46	831.98	610.83
Income Tax Expense	1,038	705.89	537.66	-150.06	259.69	165.44
Net Income	1,901	1,201	1,010	-593.4	572.28	445.39
Net Income to Common	1,901	1,201	1,010	-593.4	572.28	445.39
Net Income Growth	77.63%	18.93%	-	-	28.49%	3.95%
Basic Shares Outstanding	-	265	265	265	265	265
Diluted Shares Outstanding	-	265	265	265	265	265
EPS (Basic)	-	4.53	3.81	-2.24	2.16	1.68
EPS (Diluted)	-	4.53	3.81	-2.24	2.16	1.68
EPS Growth	-	18.90%	-	-	28.54%	3.91%
Dividend Per Share	1.000	1.000	-	-	0.500	0.250
Dividend Growth	-	-	-	-	100.00%	25.00%
Effective Tax Rate	35.32%	37.02%	34.75%	-	31.21%	27.08%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.