GCB Bank 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	6,272	6,159	4,455	3,756	2,829	2,379
Interest Paid on Deposits	1,342	1,571	1,066	860.52	721.94	484.53
Net Interest Income	4,931	4,588	3,389	2,896	2,108	1,895
Net Interest Income Growth	24.51%	35.39%	17.02%	37.40%	11.22%	25.60%
Income From Trading Activities	1,130	824.68	460.83	425.07	487.23	157.54
Gain (Loss) on Sale of Assets	-2.69	-1.22	0.21	0.5	0.32	0.14
Gain (Loss) on Sale of Investments	25.66	25.66	-46.1	-233.64	-1,831	-
Other Non-Interest Income	1,234	897.63	627	462.88	410.62	374.97
Total Non-Interest Income	2,387	1,747	1,042	654.81	-933.04	532.65
Non-Interest Income Growth	78.98%	67.64%	59.12%	-	-	16.05%
Revenues Before Loan Losses	7,318	6,335	4,431	3,551	1,174	2,427
Provision for Loan Losses	303.83	188.8	427.18	199.32	274.05	324.8
Revenue	7,014	6,146	4,003	3,351	900.41	2,103
Revenue Growth	43.46%	53.51%	19.46%	272.19%	-57.18%	20.29%
Salaries and Employee Benefits	1,820	1,652	1,187	907.67	794.28	641.46
Occupancy Expenses	215.3	185.09	150.6	151.98	154.22	148.47
Selling, General & Administrative	59.89	60.05	68.52	46.71	46.17	26
Other Non-Interest Expense	1,157	1,077	699.18	695.96	621.47	450.14
Total Non-Interest Expense	3,235	2,956	2,091	1,791	1,628	1,273
EBT Excluding Unusual Items	3,779	3,189	1,913	1,560	-727.65	829.66
Legal Settlements	-4.07	-4.07	-5.97	-11.79	-8.5	2.41
Pretax Income	3,775	3,185	1,907	1,547	-743.46	831.98
Income Tax Expense	1,329	1,124	705.89	537.66	-150.06	259.69
Net Income	2,446	2,061	1,201	1,010	-593.4	572.28
Net Income to Common	2,446	2,061	1,201	1,010	-593.4	572.28
Net Income Growth	50.73%	71.60%	18.93%	-	-	28.49%
Basic Shares Outstanding	254	265	265	265	265	265
Diluted Shares Outstanding	254	265	265	265	265	265
Shares Change	91.69%	-	-	-	-	-
EPS (Basic)	9.63	7.78	4.53	3.81	-2.24	2.16
EPS (Diluted)	9.63	7.78	4.53	3.81	-2.24	2.16
EPS Growth	-21.35%	71.66%	18.90%	-	-	28.54%

Additional Metrics

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
Dividend Per Share	1.000	1.000	1.000	-	-	0.500
Dividend Growth	0%	0%	-	-	-	100.00%
Effective Tax Rate	35.22%	35.30%	37.02%	34.75%	-	31.21%