LUSE:ZNCO Income Statement

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

Millions ZMW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	5,684	5,905	4,728	3,877	3,537	2,145
Interest Paid on Deposits	2,113	2,105	1,254	924.15	998.59	695.29
Net Interest Income	4,952	3,800	3,474	2,953	2,539	1,450
Net Interest Income Growth (YoY)	74.46%	9.36%	17.67%	16.31%	75.12%	51.88%
Gain (Loss) on Sale of Assets	0	0	0.06	0.61	3.24	0.78
Gain (Loss) on Sale of Investments	220.16	440.32	595.17	108.92	2.74	63.47
Other Non-Interest Income	1,003	1,248	1,143	873.6	966.99	707.17
Total Non-Interest Income	1,223	1,689	1,738	983.12	972.97	771.42
Non-Interest Income Growth (YoY)	-41.91%	-2.86%	76.81%	1.04%	26.13%	31.06%
Revenues Before Loan Losses	6,175	5,488	5,213	3,936	3,512	2,221
Provision for Loan Losses	358	193.2	21.75	186.15	-62.15	210.99
Revenue	5,817	5,295	5,191	3,750	3,574	2,010
Revenue Growth (YoY)	15.72%	2.00%	38.44%	4.92%	77.79%	28.86%
Salaries and Employee Benefits	666	1,332	1,200	881.43	-	-
Occupancy Expenses	164.64	-	-	-	-	-
Selling, General & Administrative	656.18	1,312	1,236	984.11	96.07	78.75
Other Non-Interest Expense	1,926	77.05	44.69	59	1,890	1,571
Total Non-Interest Expense	3,413	2,721	2,481	1,925	1,986	1,650
EBT Excluding Unusual Items	2,404	2,574	2,710	1,825	1,588	360.43
Asset Writedown	-	-	-4.69	-92.75	-	-6.19
Pretax Income	2,404	2,574	2,706	1,732	1,588	354.24
Income Tax Expense	757.84	780.27	967.33	565.38	597.85	147.58
Net Income	1,646	1,793	1,738	1,167	990.28	206.66
Net Income to Common	1,646	1,793	1,738	1,167	990.28	206.66
Net Income Growth	-5.00%	3.16%	48.96%	17.84%	379.19%	3.30%
Basic Shares Outstanding	-	1,444	1,444	1,444	1,444	1,444
Diluted Shares Outstanding	-	1,444	1,444	1,444	1,444	1,444
EPS (Basic)	-	1.24	1.20	0.81	0.69	0.14
EPS (Diluted)	-	1.24	1.20	0.81	0.69	0.14
EPS Growth	-	3.16%	48.96%	17.84%	379.19%	3.30%
Dividend Per Share	0.438	0.438	0.429	0.292	0.252	0.057
Dividend Growth	2.10%	2.10%	46.92%	15.87%	342.11%	9.62%
Effective Tax Rate	31.52%	30.32%	35.75%	32.64%	37.65%	41.66%

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