GHSE:SCB Income Statement

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,132	1,602	1,422	1,009	819.93
Interest Paid on Deposits	127.85	198.42	155.2	201.12	192.43
Net Interest Income	1,004	1,404	1,266	807.79	627.5
Net Interest Income Growth (YoY)	-28.49%	10.86%	56.78%	28.73%	-2.03%
Income From Trading Activities	555.11	149.42	141.09	239.39	268.5
Gain (Loss) on Sale of Assets	-	-	36.79	1.9	-
Gain (Loss) on Sale of Investments	-28.84	62.69	-47.96	-602.09	-8.51
Other Non-Interest Income	283.76	253.78	196.69	174.47	155.47
Total Non-Interest Income	810.03	465.89	326.6	-186.33	415.47
Non-Interest Income Growth (YoY)	73.87%	42.65%	-	-	8.70%
Revenues Before Loan Losses	1,814	1,870	1,593	621.46	1,043
Provision for Loan Losses	-66.11	138.88	-253.88	506.44	-14.4
Revenue	1,880	1,731	1,847	115.02	1,057
Revenue Growth (YoY)	8.61%	-6.28%	1505.72%	-89.12%	9.75%
Salaries and Employee Benefits	567.27	493.91	395.05	299.42	245.46
Occupancy Expenses	39.3	49.07	43.13	33.09	34.61
Selling, General & Administrative	-	13.84	11.5	8.15	9.41
Other Non-Interest Expense	239.31	138.38	114.24	77.87	125.27
Total Non-Interest Expense	845.88	695.2	563.91	418.53	414.75
EBT Excluding Unusual Items	1,034	1,036	1,283	-303.51	642.61
Asset Writedown	0.21	-4.72	14.4	-50.25	-
Other Unusual Items	0.03	-	2.56	-8.58	-
Pretax Income	1,034	1,022	1,282	-381.04	633.3
Income Tax Expense	230.23	306.01	462.34	-83.26	196.37
Earnings From Continuing Operations	804.21	716.15	819.73	-297.78	436.93
Net Income	804.21	716.15	819.73	-297.78	436.93
Preferred Dividends & Other Adjustments	-	-	-	-0.04	1.47
Net Income to Common	804.21	716.15	819.73	-297.74	435.47
Net Income Growth	12.30%	-12.64%	-	-	-8.65%
Basic Shares Outstanding	135	135	135	135	135
Diluted Shares Outstanding	135	135	135	135	135
Shares Change (YoY)	0.13%	-	-0.07%	0.07%	-0.26%
EPS (Basic)	5.96	5.31	6.08	-2.21	3.23
EPS (Diluted)	5.96	5.31	6.08	-2.21	3.23
EPS Growth	12.24%	-12.66%	-	-	-8.76%
Dividend Per Share	-	1.670	2.950	-	1.840
Dividend Growth	-	-43.38%	-	-	5.75%
Effective Tax Rate	22.26%	29.94%	36.06%	-	31.01%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.