LUSE:SCBL Income Statement

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

Millions ZMW. 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	339.28	363.28	668.3	443.33	1,143
Interest Income on Investments	157.41	113.16	320.8	515.33	-
Total Interest Income	496.7	476.44	989.1	958.66	1,143
Interest Paid on Deposits	239.78	170	141.24	363.84	310.58
Total Interest Expense	239.78	170	141.24	363.84	310.58
Net Interest Income	256.91	306.44	847.87	594.83	832.62
Net Interest Income Growth (YoY)	-16.16%	-63.86%	42.54%	-28.56%	10.02%
Income From Trading Activities	398.49	328.54	378.97	360.84	290.82
Gain (Loss) on Sale of Assets	0.61	7.67	0.65	-	4.8
Other Non-Interest Income	-8.88	42.61	293.84	239.17	191.74
Total Non-Interest Income	390.22	378.82	673.46	600.01	487.37
Non-Interest Income Growth (YoY)	3.01%	-43.75%	12.24%	23.11%	20.55%
Revenues Before Loan Losses	647.13	685.25	1,521	1,195	1,320
Provision for Loan Losses	-143.87	55.56	-232.94	-10.49	-202.21
Revenue	791	629.7	1,754	1,205	1,522
Revenue Growth (YoY)	25.62%	-64.11%	45.54%	-20.82%	75.40%
Salaries and Employee Benefits	195.59	183.21	315.03	311.15	253.96
Occupancy Expenses	69.44	55.9	118.21	126.82	152.78
Selling, General & Administrative	282.18	281.38	403.44	392.73	505.51
Total Non-Interest Expense	547.21	520.5	836.68	830.7	912.24
EBT Excluding Unusual Items	243.79	109.2	917.59	374.62	609.95
Asset Writedown	-6.3	-12.26	-	-	-
Other Unusual Items	-	-	-	-	2.34
Pretax Income	237.49	96.94	917.59	374.62	612.3
Income Tax Expense	91.84	30.26	317.86	130	258.37
Earnings From Continuing Operations	145.66	66.68	599.74	244.63	353.93
Earnings From Discontinued Operations	90.41	180.13	-	-	-
Net Income	236.07	246.81	599.74	244.63	353.93
Net Income to Common	236.07	246.81	599.74	244.63	353.93
Net Income Growth	-4.35%	-58.85%	145.16%	-30.88%	-
Basic Shares Outstanding	2,084	2,084	2,084	2,084	2,084
Diluted Shares Outstanding	2,084	2,084	2,084	2,084	2,084
EPS (Basic)	0.11	0.12	0.29	0.12	0.17
EPS (Diluted)	0.11	0.12	0.29	0.12	0.17
EPS Growth	-4.35%	-58.85%	145.17%	-30.88%	-
Dividend Per Share	-	-	0.288	-	0.170
Effective Tax Rate	38.67%	31.22%	34.64%	34.70%	42.20%

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