Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia · Delayed Price · Currency is ZMW 9.62
+0.05 (0.52%)
At close: Jun 8, 2026
LUSE:ZNCO 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 | 6,397 | 6,330 | 5,905 | 4,728 | 3,877 | 3,537 |
Interest Paid on Deposits | 1,917 | 1,912 | 2,105 | 1,254 | 924.15 | 998.59 |
Net Interest Income | 4,433 | 4,417 | 3,800 | 3,474 | 2,953 | 2,539 |
Net Interest Income Growth (YoY) | -8.87% | 16.26% | 9.36% | 17.67% | 16.31% | 75.12% |
Gain (Loss) on Sale of Assets | 0.38 | 0.38 | 0 | 0.06 | 0.61 | 3.24 |
Gain (Loss) on Sale of Investments | 364.52 | 364.52 | 440.32 | 595.17 | 108.92 | 2.74 |
Other Non-Interest Income | 1,540 | 1,365 | 1,248 | 1,143 | 873.6 | 966.99 |
Total Non-Interest Income | 1,904 | 1,730 | 1,689 | 1,738 | 983.12 | 972.97 |
Non-Interest Income Growth (YoY) | 131.30% | 2.46% | -2.86% | 76.81% | 1.04% | 26.13% |
Revenues Before Loan Losses | 6,338 | 6,147 | 5,488 | 5,213 | 3,936 | 3,512 |
Provision for Loan Losses | -15.54 | -23.21 | 193.2 | 21.75 | 186.15 | -62.15 |
| 6,353 | 6,171 | 5,295 | 5,191 | 3,750 | 3,574 | |
Revenue Growth (YoY) | 17.01% | 16.54% | 2.00% | 38.44% | 4.92% | 77.79% |
Salaries and Employee Benefits | 1,653 | 1,653 | 1,332 | 1,200 | 881.43 | - |
Selling, General & Administrative | 1,541 | 1,541 | 1,312 | 1,236 | 984.11 | 96.07 |
Other Non-Interest Expense | 201.62 | 41.9 | 77.05 | 44.69 | 59 | 1,890 |
Total Non-Interest Expense | 3,400 | 3,236 | 2,721 | 2,481 | 1,925 | 1,986 |
EBT Excluding Unusual Items | 2,953 | 2,935 | 2,574 | 2,710 | 1,825 | 1,588 |
Asset Writedown | -1.83 | -1.83 | - | -4.69 | -92.75 | - |
Pretax Income | 2,951 | 2,933 | 2,574 | 2,706 | 1,732 | 1,588 |
Income Tax Expense | 940.16 | 934.05 | 780.27 | 967.33 | 565.38 | 597.85 |
Net Income | 2,011 | 1,999 | 1,793 | 1,738 | 1,167 | 990.28 |
Net Income to Common | 2,011 | 1,999 | 1,793 | 1,738 | 1,167 | 990.28 |
Net Income Growth | 7.82% | 11.45% | 3.16% | 48.96% | 17.84% | 379.19% |
Basic Shares Outstanding | 1,444 | 1,444 | 1,444 | 1,444 | 1,444 | 1,444 |
Diluted Shares Outstanding | 1,444 | 1,444 | 1,444 | 1,444 | 1,444 | 1,444 |
EPS (Basic) | 1.39 | 1.38 | 1.24 | 1.20 | 0.81 | 0.69 |
EPS (Diluted) | 1.39 | 1.38 | 1.24 | 1.20 | 0.81 | 0.69 |
EPS Growth | - | 11.45% | 3.16% | 48.96% | 17.84% | 379.19% |
Dividend Per Share | - | - | 0.438 | 0.429 | 0.292 | 0.252 |
Dividend Growth | - | - | 2.10% | 46.92% | 15.87% | 342.11% |
Effective Tax Rate | 31.86% | 31.85% | 30.32% | 35.75% | 32.64% | 37.65% |