NCBA Group PLC (NASE:NCBA)

NCBA Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	43,183	46,498	36,388	64,112	57,303	55,084
Interest Income on Investments	28,415	29,190	28,836	-	-	-
Total Interest Income	71,598	75,688	65,224	64,112	57,303	55,084
Interest Paid on Deposits	31,692	40,082	29,941	21,726	19,477	19,075
Interest Paid on Borrowings	995.05	1,091	681.23	-	-	-
Total Interest Expense	32,687	41,173	30,623	21,726	19,477	19,075
Net Interest Income	38,911	34,515	34,602	42,387	37,825	36,009
Net Interest Income Growth (YoY)	-16.37%	-0.25%	-18.37%	12.06%	5.04%	67.20%
Gain (Loss) on Sale of Assets	-	-	-	14.55	100.12	-19.91
Gain (Loss) on Sale of Investments	-	-	-	-512.59	-853.18	-245.27
Other Non-Interest Income	27,757	28,183	29,078	17,986	10,165	10,022
Total Non-Interest Income	27,757	28,183	29,078	17,488	9,412	9,757
Non-Interest Income Growth (YoY)	80.42%	-3.08%	66.28%	85.80%	-3.53%	45.82%
Revenues Before Loan Losses	66,668	62,698	63,680	59,874	47,237	45,766
Provision for Loan Losses	5,997	5,480	9,156	12,466	11,211	20,094
Revenue	60,671	57,217	54,524	47,408	36,027	25,672
Revenue Growth (YoY)	8.04%	4.94%	15.01%	31.59%	40.34%	13.63%
Salaries and Employee Benefits	14,286	13,406	12,115	10,184	8,019	7,391
Occupancy Expenses	1,178	936.8	872.54	2,743	3,711	1,954
Amortization of Goodwill & Intangibles	1,095	1,193	1,245	1,684	795.75	2,845
Selling, General & Administrative	1,440	1,313	1,211	6,913	5,352	6,277
Other Non-Interest Expense	16,232	15,314	13,640	3,402	3,244	1,479
Total Non-Interest Expense	34,144	32,076	29,042	24,723	21,031	19,788
EBT Excluding Unusual Items	26,527	25,141	25,482	22,685	14,995	5,884
Pretax Income	26,527	25,141	25,482	22,492	15,035	4,982
Income Tax Expense	3,429	3,275	4,025	8,714	4,811	411.05
Earnings From Continuing Operations	23,098	21,866	21,457	13,778	10,224	4,571
Minority Interest in Earnings	-	-	-	86.76	75.85	67.44
Net Income	23,098	21,866	21,457	13,865	10,299	4,638
Net Income to Common	23,098	21,866	21,457	13,865	10,299	4,638
Net Income Growth	5.36%	1.91%	54.76%	34.62%	122.05%	-40.70%
Basic Shares Outstanding	1,648	1,648	1,648	1,648	1,648	1,648
Diluted Shares Outstanding	1,648	1,648	1,648	1,648	1,648	1,648
Shares Change (YoY)	0.06%	-0.01%	0.03%	-	-	56.58%
EPS (Basic)	14.02	13.27	13.02	8.42	6.25	2.82
EPS (Diluted)	14.02	13.27	13.02	8.42	6.25	2.82
EPS Growth	5.30%	1.92%	54.71%	34.62%	122.05%	-62.13%
Dividend Per Share	5.750	5.500	4.750	4.250	3.000	1.500
Dividend Growth	9.52%	15.79%	11.77%	41.67%	100.00%	-5.71%
Effective Tax Rate	12.93%	13.03%	15.80%	38.74%	32.00%	8.25%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.