NASE:SCBK 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	-	38,816	32,352	25,473	22,285	23,734
Total Interest Income	-	38,816	32,352	25,473	22,285	23,734
Interest Paid on Deposits	-	5,550	3,508	3,691	3,874	4,971
Total Interest Expense	-	5,550	3,508	3,691	3,874	4,971
Net Interest Income	30,698	33,265	28,844	21,782	18,411	18,763
Net Interest Income Growth (YoY)	-5.41%	15.33%	32.42%	18.31%	-1.88%	-1.89%
Income From Trading Activities	-	-	-	-	-	3,330
Gain (Loss) on Sale of Assets	12.33	12.33	3.36	2.52	0.74	0.56
Gain (Loss) on Sale of Investments	1,994	1,994	-2,502	801.84	590.72	14.81
Other Non-Interest Income	10,922	14,995	14,515	10,506	9,248	4,568
Total Non-Interest Income	12,929	17,002	12,016	11,311	9,840	7,913
Non-Interest Income Growth (YoY)	-28.35%	41.50%	6.23%	14.95%	24.34%	-10.33%
Revenues Before Loan Losses	43,627	50,267	40,860	33,093	28,251	26,677
Provision for Loan Losses	1,550	1,764	3,218	784.62	1,493	3,586
Revenue	42,078	48,504	37,642	32,308	26,758	23,091
Revenue Growth (YoY)	-10.75%	28.85%	16.51%	20.74%	15.88%	-16.69%
Salaries and Employee Benefits	8,766	8,766	7,877	6,793	6,236	6,447
Occupancy Expenses	1,959	1,959	1,836	1,567	1,650	2,221
Selling, General & Administrative	8,689	8,689	7,979	6,505	6,093	5,670
Other Non-Interest Expense	2,839	-	-	-	-	-
Total Non-Interest Expense	22,253	19,414	17,692	14,865	13,979	14,338
EBT Excluding Unusual Items	19,825	29,090	19,950	17,443	12,779	8,753
Asset Writedown	-301.24	-301.24	-76.12	-130.19	-18.83	-20.36
Other Unusual Items	-	-	-	-	51.92	12.29
Pretax Income	18,943	28,208	19,668	17,103	12,598	7,396
Income Tax Expense	4,943	8,148	5,833	5,045	3,554	1,956
Net Income	14,001	20,061	13,835	12,058	9,044	5,440
Preferred Dividends & Other Adjustments	168	168	168	168	168	168
Net Income to Common	13,833	19,893	13,667	11,890	8,876	5,272
Net Income Growth	-29.80%	44.99%	14.74%	33.33%	66.23%	-33.95%
Basic Shares Outstanding	379	378	378	378	378	378
Diluted Shares Outstanding	379	378	378	378	378	378
Shares Change (YoY)	0.73%	-	-	-	-	-
EPS (Basic)	36.48	52.65	36.17	31.47	23.49	13.95
EPS (Diluted)	36.48	52.65	36.17	31.47	23.49	13.95
EPS Growth	-30.56%	45.55%	14.95%	33.96%	68.34%	-34.66%
Dividend Per Share	45.000	45.000	29.000	22.000	19.000	10.500
Dividend Growth	45.16%	55.17%	31.82%	15.79%	80.95%	-12.86%
Effective Tax Rate	26.09%	28.88%	29.66%	29.50%	28.21%	26.44%

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