LUSE:SCBL Income Statement

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

Millions ZMW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	310.7	339.28	363.28	668.3	443.33	1,143
Interest Income on Investments	173.64	157.41	113.16	320.8	515.33	-
Total Interest Income	484.34	496.7	476.44	989.1	958.66	1,143
Interest Paid on Deposits	240.31	239.78	170	141.24	363.84	310.58
Interest Paid on Borrowings	-1.62	-	-	-	-	-
Total Interest Expense	238.69	239.78	170	141.24	363.84	310.58
Net Interest Income	245.65	256.91	306.44	847.87	594.83	832.62
Net Interest Income Growth (YoY)	-71.04%	-16.16%	-63.86%	42.54%	-28.56%	10.02%
Income From Trading Activities	379.95	398.49	328.54	378.97	360.84	290.82
Gain (Loss) on Sale of Assets	0.61	0.61	7.67	0.65	-	4.8
Other Non-Interest Income	-63.04	-8.88	42.61	293.84	239.17	191.74
Total Non-Interest Income	317.52	390.22	378.82	673.46	600.01	487.37
Non-Interest Income Growth (YoY)	-56.54%	3.01%	-43.75%	12.24%	23.11%	20.55%
Revenues Before Loan Losses	563.17	647.13	685.25	1,521	1,195	1,320
Provision for Loan Losses	-147.93	-143.87	55.56	-232.94	-10.49	-202.21
Revenue	711.1	791	629.7	1,754	1,205	1,522
Revenue Growth (YoY)	-54.26%	25.62%	-64.11%	45.54%	-20.82%	75.40%
Salaries and Employee Benefits	195.59	195.59	183.21	315.03	311.15	253.96
Occupancy Expenses	67.37	69.44	55.9	118.21	126.82	152.78
Selling, General & Administrative	282.18	282.18	281.38	403.44	392.73	505.51
Other Non-Interest Expense	-12.83	-	-	-	-	-
Total Non-Interest Expense	532.31	547.21	520.5	836.68	830.7	912.24
EBT Excluding Unusual Items	178.78	243.79	109.2	917.59	374.62	609.95
Asset Writedown	-6.3	-6.3	-12.26	-	-	-
Other Unusual Items	-	-	-	-	-	2.34
Pretax Income	172.49	237.49	96.94	917.59	374.62	612.3
Income Tax Expense	72.34	91.84	30.26	317.86	130	258.37
Earnings From Continuing Operations	100.15	145.66	66.68	599.74	244.63	353.93
Earnings From Discontinued Operations	90.41	90.41	180.13	-	-	-
Net Income	190.56	236.07	246.81	599.74	244.63	353.93
Net Income to Common	190.56	236.07	246.81	599.74	244.63	353.93
Net Income Growth	-30.25%	-4.35%	-58.85%	145.16%	-30.88%	-
Basic Shares Outstanding	2,084	2,084	2,084	2,084	2,084	2,084
Diluted Shares Outstanding	2,084	2,084	2,084	2,084	2,084	2,084
EPS (Basic)	0.09	0.11	0.12	0.29	0.12	0.17
EPS (Diluted)	0.09	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	41.94%	38.67%	31.22%	34.64%	34.70%	42.20%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.