NCBA Group Income Statement

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

Millions KES. 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	40,894	46,498	36,388	64,112	57,303	55,084
Interest Income on Investments	28,027	29,190	28,836	-	-	-
Total Interest Income	68,921	75,688	65,224	64,112	57,303	55,084
Interest Paid on Deposits	26,446	40,082	29,941	21,726	19,477	19,075
Interest Paid on Borrowings	1,060	1,091	681.23	-	-	-
Total Interest Expense	27,507	41,173	30,623	21,726	19,477	19,075
Net Interest Income	41,414	34,515	34,602	42,387	37,825	36,009
Net Interest Income Growth (YoY)	-10.88%	-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	27,770	28,183	29,078	17,986	10,165	10,022
Total Non-Interest Income	27,770	28,183	29,078	17,488	9,412	9,757
Non-Interest Income Growth (YoY)	80.72%	-3.08%	66.28%	85.80%	-3.53%	45.82%
Revenues Before Loan Losses	69,184	62,698	63,680	59,874	47,237	45,766
Provision for Loan Losses	6,479	5,480	9,156	12,466	11,211	20,094
Revenue	62,705	57,217	54,524	47,408	36,027	25,672
Revenue Growth (YoY)	11.20%	4.94%	15.01%	31.59%	40.34%	13.63%
Salaries and Employee Benefits	15,152	13,406	12,115	10,184	8,019	7,391
Occupancy Expenses	1,263	936.8	872.54	2,743	3,711	1,954
Amortization of Goodwill & Intangibles	1,019	1,193	1,245	1,684	795.75	2,845
Selling, General & Administrative	1,337	1,313	1,211	6,913	5,352	6,277
Other Non-Interest Expense	16,811	15,314	13,640	3,402	3,244	1,479
Total Non-Interest Expense	35,517	32,076	29,042	24,723	21,031	19,788
EBT Excluding Unusual Items	27,188	25,141	25,482	22,685	14,995	5,884
Pretax Income	27,188	25,141	25,482	22,492	15,035	4,982
Income Tax Expense	4,044	3,275	4,025	8,714	4,811	411.05
Earnings From Continuing Operations	23,144	21,866	21,457	13,778	10,224	4,571
Minority Interest in Earnings	-	-	-	86.76	75.85	67.44
Net Income	23,144	21,866	21,457	13,865	10,299	4,638
Net Income to Common	23,144	21,866	21,457	13,865	10,299	4,638
Net Income Growth	5.64%	1.91%	54.76%	34.62%	122.05%	-40.70%
Basic Shares Outstanding	1,647	1,648	1,648	1,648	1,648	1,648
Diluted Shares Outstanding	1,647	1,648	1,648	1,648	1,648	1,648
Shares Change (YoY)	-0.05%	-0.01%	0.03%	-	-	56.58%
EPS (Basic)	14.05	13.27	13.02	8.42	6.25	2.82
EPS (Diluted)	14.05	13.27	13.02	8.42	6.25	2.82
EPS Growth	5.70%	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	14.88%	13.03%	15.80%	38.74%	32.00%	8.25%

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