Access Holdings Income Statement

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

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
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	2015 - 2019
Interest Income on Loans	3,697,319	3,108,148	1,564,281	769,960	519,417	425,666	Upgrade
Interest Income on Investments	289,436	372,327	90,067	57,506	82,234	63,551	Upgrade
Total Interest Income	3,986,755	3,480,475	1,654,348	827,466	601,651	489,217	Upgrade
Interest Paid on Deposits	2,305,629	2,212,447	958,988	467,834	300,243	226,267	Upgrade
Net Interest Income	1,681,126	1,268,028	695,360	359,632	301,408	262,950	Upgrade
Net Interest Income Growth (YoY)	46.15%	82.36%	93.35%	19.32%	14.63%	-5.15%	Upgrade
Gain (Loss) on Sale of Assets	6,142	6,228	371	727	107	2,027	Upgrade
Other Non-Interest Income	1,203,051	1,275,800	869,107	506,725	326,333	250,346	Upgrade
Total Non-Interest Income	1,210,306	1,283,141	869,566	507,452	326,440	252,374	Upgrade
Non-Interest Income Growth (YoY)	-8.93%	47.56%	71.36%	55.45%	29.35%	125.88%	Upgrade
Revenues Before Loan Losses	2,891,432	2,551,169	1,564,926	867,084	627,848	515,324	Upgrade
Provision for Loan Losses	450,355	245,319	139,528	197,790	83,214	62,893	Upgrade
Revenue	2,441,077	2,305,850	1,425,398	669,294	544,634	452,431	Upgrade
Revenue Growth (YoY)	8.18%	61.77%	112.97%	22.89%	20.38%	22.69%	Upgrade
Salaries and Employee Benefits	455,327	378,624	166,190	114,750	94,891	72,120	Upgrade
Occupancy Expenses	97,115	80,533	45,459	30,584	29,139	27,358	Upgrade
Amortization of Goodwill & Intangibles	32,024	31,707	18,804	13,839	12,974	9,913	Upgrade
Selling, General & Administrative	16,957	35,129	30,759	7,943	5,518	3,385	Upgrade
Other Non-Interest Expense	924,487	926,411	436,319	335,243	228,418	213,475	Upgrade
Total Non-Interest Expense	1,524,500	1,451,082	696,617	501,846	370,847	326,251	Upgrade
EBT Excluding Unusual Items	916,577	854,768	728,781	167,448	173,787	126,180	Upgrade
Asset Writedown	4,941	4,941	220	-	-	-257.57	Upgrade
Other Unusual Items	3,573	7,310	-	232	2,793	-	Upgrade
Pretax Income	925,091	867,019	729,001	167,680	176,580	125,922	Upgrade
Income Tax Expense	293,070	224,802	109,677	14,778	16,485	19,912	Upgrade
Earnings From Continuing Operations	632,021	642,217	619,324	152,902	160,095	106,010	Upgrade
Earnings From Discontinued Operations	-	-	-	-700	120	-	Upgrade
Minority Interest in Earnings	-27,309	-23,580	-6,831	888	-1,888	-1,327	Upgrade
Net Income	604,712	618,637	612,493	153,090	158,327	104,683	Upgrade
Preferred Dividends & Other Adjustments	-	-	-	-	-	-0	Upgrade
Net Income to Common	604,712	618,637	612,493	153,090	158,327	104,683	Upgrade
Net Income Growth	-25.07%	1.00%	300.09%	-3.31%	51.24%	12.50%	Upgrade
Basic Shares Outstanding	50,378	37,026	35,545	34,288	34,568	34,816	Upgrade
Diluted Shares Outstanding	50,378	37,026	35,545	35,545	35,545	35,545	Upgrade
Shares Change (YoY)	41.76%	4.17%	-	-	-0.00%	4.88%	Upgrade
EPS (Basic)	12.00	16.71	17.23	4.46	4.58	3.01	Upgrade
EPS (Diluted)	12.00	16.71	17.23	4.31	4.45	2.95	Upgrade
EPS Growth	-47.14%	-3.03%	300.05%	-3.29%	50.96%	7.27%	Upgrade
Dividend Per Share	1.600	2.500	2.100	1.500	1.000	0.800	Upgrade
Dividend Growth	-40.74%	19.05%	40.00%	50.00%	25.00%	23.08%	Upgrade
Effective Tax Rate	31.68%	25.93%	15.04%	8.81%	9.34%	15.81%	Upgrade

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