NASE:SCBK Income Statement

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	32,827	38,816	32,352	25,473	22,285
Total Interest Income	32,827	38,816	32,352	25,473	22,285
Interest Paid on Deposits	3,935	5,550	3,508	3,691	3,874
Total Interest Expense	3,935	5,550	3,508	3,691	3,874
Net Interest Income	28,892	33,265	28,844	21,782	18,411
Net Interest Income Growth (YoY)	-13.15%	15.33%	32.42%	18.31%	-1.88%
Gain (Loss) on Sale of Assets	-10.41	12.33	3.36	2.52	0.74
Gain (Loss) on Sale of Investments	2,732	1,994	-2,502	801.84	590.72
Other Non-Interest Income	10,273	14,995	14,515	10,506	9,248
Total Non-Interest Income	12,995	17,002	12,016	11,311	9,840
Non-Interest Income Growth (YoY)	-23.57%	41.50%	6.23%	14.95%	24.34%
Revenues Before Loan Losses	41,887	50,267	40,860	33,093	28,251
Provision for Loan Losses	1,742	1,764	3,218	784.62	1,493
Revenue	40,145	48,504	37,642	32,308	26,758
Revenue Growth (YoY)	-17.23%	28.85%	16.51%	20.74%	15.88%
Salaries and Employee Benefits	11,280	8,766	7,877	6,793	6,236
Occupancy Expenses	2,153	1,959	1,836	1,567	1,650
Selling, General & Administrative	9,725	8,689	7,979	6,505	6,093
Total Non-Interest Expense	23,158	19,414	17,692	14,865	13,979
EBT Excluding Unusual Items	16,987	29,090	19,950	17,443	12,779
Asset Writedown	-38.36	-301.24	-76.12	-130.19	-18.83
Other Unusual Items	-	-	-	-	51.92
Pretax Income	16,837	28,208	19,668	17,103	12,598
Income Tax Expense	4,400	8,148	5,833	5,045	3,554
Net Income	12,437	20,061	13,835	12,058	9,044
Preferred Dividends & Other Adjustments	168	168	168	168	168
Net Income to Common	12,269	19,893	13,667	11,890	8,876
Net Income Growth	-38.01%	44.99%	14.74%	33.33%	66.23%
Basic Shares Outstanding	378	378	378	378	378
Diluted Shares Outstanding	378	378	378	378	378
EPS (Basic)	32.47	52.65	36.17	31.47	23.49
EPS (Diluted)	32.47	52.65	36.17	31.47	23.49
EPS Growth	-38.33%	45.55%	14.95%	33.96%	68.34%
Dividend Per Share	31.000	45.000	29.000	22.000	19.000
Dividend Growth	-31.11%	55.17%	31.82%	15.79%	80.95%
Effective Tax Rate	26.13%	28.88%	29.66%	29.50%	28.21%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.