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	Jun '26 Jun 30, 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	303.5	339.28	363.28	668.3	443.33	1,143
Interest Income on Investments	140.44	157.41	113.16	320.8	515.33	-
Total Interest Income	443.94	496.7	476.44	989.1	958.66	1,143
Interest Paid on Deposits	238.82	239.78	170	141.24	363.84	310.58
Interest Paid on Borrowings	-12.77	-	-	-	-	-
Total Interest Expense	226.05	239.78	170	141.24	363.84	310.58
Net Interest Income	217.89	256.91	306.44	847.87	594.83	832.62
Net Interest Income Growth	-78.43%	-16.16%	-63.86%	42.54%	-28.56%	10.02%
Income From Trading Activities	159.99	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	171.86	-8.88	42.61	293.84	239.17	191.74
Total Non-Interest Income	332.47	390.22	378.82	673.46	600.01	487.37
Non-Interest Income Growth	-57.63%	3.01%	-43.75%	12.24%	23.11%	20.55%
Revenues Before Loan Losses	550.36	647.13	685.25	1,521	1,195	1,320
Provision for Loan Losses	-157.97	-143.87	55.56	-232.94	-10.49	-202.21
Revenue	708.33	791	629.7	1,754	1,205	1,522
Revenue Growth	-58.26%	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	71.21	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	6.16	-	-	-	-	-
Total Non-Interest Expense	555.14	547.21	520.5	836.68	830.7	912.24
EBT Excluding Unusual Items	153.19	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	146.89	237.49	96.94	917.59	374.62	612.3
Income Tax Expense	59.61	91.84	30.26	317.86	130	258.37
Earnings From Continuing Operations	87.28	145.66	66.68	599.74	244.63	353.93
Earnings From Discontinued Operations	90.41	90.41	180.13	-	-	-
Net Income	177.69	236.07	246.81	599.74	244.63	353.93
Net Income to Common	177.69	236.07	246.81	599.74	244.63	353.93
Net Income Growth	-33.87%	-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
Shares Change	-	-	-	-	-	-
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%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	-	-	-	0.288	-	0.170
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	40.58%	38.67%	31.22%	34.64%	34.70%	42.20%