GHSE:SCB 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	1,254	1,602	1,422	1,009	819.93	795.37
Interest Paid on Deposits	150.38	198.42	155.2	201.12	192.43	154.86
Net Interest Income	1,104	1,404	1,266	807.79	627.5	640.52
Net Interest Income Growth (YoY)	-26.03%	10.86%	56.78%	28.73%	-2.03%	7.70%
Income From Trading Activities	331.75	149.42	141.09	239.39	268.5	246.62
Gain (Loss) on Sale of Assets	-	-	36.79	1.9	-	-
Gain (Loss) on Sale of Investments	62.69	62.69	-47.96	-602.09	-8.51	-
Other Non-Interest Income	334.73	253.78	196.69	174.47	155.47	135.6
Total Non-Interest Income	729.17	465.89	326.6	-186.33	415.47	382.22
Non-Interest Income Growth (YoY)	133.00%	42.65%	-	-	8.70%	47.97%
Revenues Before Loan Losses	1,833	1,870	1,593	621.46	1,043	1,023
Provision for Loan Losses	11.28	138.88	-253.88	506.44	-14.4	59.28
Revenue	1,822	1,731	1,847	115.02	1,057	963.45
Revenue Growth (YoY)	-6.79%	-6.28%	1505.72%	-89.12%	9.75%	27.92%
Salaries and Employee Benefits	552.48	493.91	395.05	299.42	245.46	209.28
Occupancy Expenses	42.15	49.07	43.13	33.09	34.61	32.81
Selling, General & Administrative	13.84	13.84	11.5	8.15	9.41	-
Other Non-Interest Expense	201.11	138.38	114.24	77.87	125.27	79.74
Total Non-Interest Expense	809.57	695.2	563.91	418.53	414.75	321.83
EBT Excluding Unusual Items	1,012	1,036	1,283	-303.51	642.61	641.62
Asset Writedown	0.21	-4.72	14.4	-50.25	-	-
Other Unusual Items	-	-	2.56	-8.58	-	-
Pretax Income	1,004	1,022	1,282	-381.04	633.3	641.62
Income Tax Expense	353.61	306.01	462.34	-83.26	196.37	163.33
Earnings From Continuing Operations	650.08	716.15	819.73	-297.78	436.93	478.3
Net Income	650.08	716.15	819.73	-297.78	436.93	478.3
Preferred Dividends & Other Adjustments	-	-	-	-0.04	1.47	-
Net Income to Common	650.08	716.15	819.73	-297.74	435.47	478.3
Net Income Growth	-24.84%	-12.64%	-	-	-8.65%	69.69%
Basic Shares Outstanding	135	135	135	135	135	135
Diluted Shares Outstanding	135	135	135	135	135	135
Shares Change (YoY)	-0.09%	-	-0.07%	0.07%	-0.26%	0.26%
EPS (Basic)	4.82	5.31	6.08	-2.21	3.23	3.54
EPS (Diluted)	4.82	5.31	6.08	-2.21	3.23	3.54
EPS Growth	-24.80%	-12.66%	-	-	-8.76%	70.25%
Dividend Per Share	1.670	1.670	2.950	-	1.840	1.740
Dividend Growth	-43.38%	-43.38%	-	-	5.75%	11.54%
Effective Tax Rate	35.23%	29.94%	36.06%	-	31.01%	25.45%

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