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	840.43	913.87	668.3	443.33	1,143
Interest Income on Investments	294.19	113.16	320.8	515.33	-
Total Interest Income	1,135	1,027	989.1	958.66	1,143
Interest Paid on Deposits	280.05	216.54	141.24	363.84	310.58
Interest Paid on Borrowings	22.76	-	-	-	-
Total Interest Expense	302.81	216.54	141.24	363.84	310.58
Net Interest Income	831.81	810.49	847.87	594.83	832.62
Net Interest Income Growth (YoY)	2.63%	-4.41%	42.54%	-28.56%	10.02%
Income From Trading Activities	85.55	401.14	378.97	360.84	290.82
Gain (Loss) on Sale of Assets	-	-	0.65	-	4.8
Other Non-Interest Income	598.82	318.8	293.84	239.17	191.74
Total Non-Interest Income	684.37	719.94	673.46	600.01	487.37
Non-Interest Income Growth (YoY)	-4.94%	6.90%	12.24%	23.11%	20.55%
Revenues Before Loan Losses	1,516	1,530	1,521	1,195	1,320
Provision for Loan Losses	19.95	86.02	-232.94	-10.49	-202.21
Revenue	1,496	1,444	1,754	1,205	1,522
Revenue Growth (YoY)	3.59%	-17.66%	45.54%	-20.82%	75.40%
Salaries and Employee Benefits	-	382.33	315.03	311.15	253.96
Occupancy Expenses	73.56	115.41	118.21	126.82	152.78
Selling, General & Administrative	-	576.05	403.44	392.73	505.51
Other Non-Interest Expense	1,041	-	-	-	-
Total Non-Interest Expense	1,115	1,074	836.68	830.7	912.24
EBT Excluding Unusual Items	381.21	370.62	917.59	374.62	609.95
Asset Writedown	-	-12.62	-	-	-
Other Unusual Items	-	-	-	-	2.34
Pretax Income	381.21	358	917.59	374.62	612.3
Income Tax Expense	131.94	111.19	317.86	130	258.37
Net Income	249.26	246.81	599.74	244.63	353.93
Net Income to Common	249.26	246.81	599.74	244.63	353.93
Net Income Growth	0.99%	-58.85%	145.16%	-30.88%	-
Basic Shares Outstanding	-	2,084	2,084	2,084	2,084
Diluted Shares Outstanding	-	2,084	2,084	2,084	2,084
EPS (Basic)	-	0.12	0.29	0.12	0.17
EPS (Diluted)	-	0.12	0.29	0.12	0.17
EPS Growth	-	-58.85%	145.17%	-30.88%	-
Dividend Per Share	-	-	0.288	-	0.170
Effective Tax Rate	34.61%	31.06%	34.64%	34.70%	42.20%

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