Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia flag Zambia · Delayed Price · Currency is ZMW
5.53
0.00 (0.00%)
At close: Jun 26, 2025

LUSE:ZNCO Income Statement

Millions ZMW. Fiscal year is Jan - Dec.
Fiscal Year
TTM FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2015 - 2019
Period Ending
Mar '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Interest Income on Loans
6,8225,9054,7283,8773,5372,145
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Interest Paid on Deposits
2,4562,1051,254924.15998.59695.29
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Net Interest Income
4,8653,8003,4742,9532,5391,450
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Net Interest Income Growth (YoY)
84.26%9.36%17.67%16.31%75.12%51.88%
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Gain (Loss) on Sale of Assets
000.060.613.240.78
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Gain (Loss) on Sale of Investments
440.32440.32595.17108.922.7463.47
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Other Non-Interest Income
383.031,2481,143873.6966.99707.17
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Total Non-Interest Income
823.351,6891,738983.12972.97771.42
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Non-Interest Income Growth (YoY)
-69.23%-2.86%76.81%1.04%26.13%31.06%
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Revenues Before Loan Losses
5,6885,4885,2133,9363,5122,221
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Provision for Loan Losses
258.67193.221.75186.15-62.15210.99
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5,4305,2955,1913,7503,5742,010
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Revenue Growth (YoY)
2.19%2.00%38.44%4.92%77.79%28.86%
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Salaries and Employee Benefits
1,3321,3321,200881.43--
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Occupancy Expenses
53.73-----
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Selling, General & Administrative
1,3121,3121,236984.1196.0778.75
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Other Non-Interest Expense
52.1777.0544.69591,8901,571
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Total Non-Interest Expense
2,7502,7212,4811,9251,9861,650
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EBT Excluding Unusual Items
2,6792,5742,7101,8251,588360.43
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Asset Writedown
---4.69-92.75--6.19
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Pretax Income
2,6792,5742,7061,7321,588354.24
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Income Tax Expense
814.15780.27967.33565.38597.85147.58
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Net Income
1,8651,7931,7381,167990.28206.66
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Net Income to Common
1,8651,7931,7381,167990.28206.66
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Net Income Growth
10.95%3.16%48.96%17.84%379.19%3.30%
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Basic Shares Outstanding
1,4441,4441,4441,4441,4441,444
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Diluted Shares Outstanding
1,4441,4441,4441,4441,4441,444
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EPS (Basic)
1.291.241.200.810.690.14
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EPS (Diluted)
1.291.241.200.810.690.14
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EPS Growth
10.95%3.16%48.96%17.84%379.19%3.30%
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Dividend Per Share
0.4380.4380.4290.2920.2520.057
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Dividend Growth
2.10%2.10%46.92%15.87%342.11%9.62%
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Effective Tax Rate
30.39%30.32%35.75%32.64%37.65%41.66%
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Source: S&P Global Market Intelligence. Banks template. Financial Sources.