CalBank PLC (GHSE:CAL)
Ghana
· Delayed Price · Currency is GHS 0.890
+0.010 (1.14%)
At close: Mar 5, 2026
CalBank Income Statement
Financials in millions GHS. Fiscal year is January - December.
Millions GHS. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
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 | 2020 - 2016 |
| Interest Income on Loans | 874.1 | 933.87 | 1,099 | 1,282 | 980.67 | Upgrade
|
| Interest Paid on Deposits | 360.51 | 478.51 | 557.58 | 689.18 | 511.12 | Upgrade
|
| Net Interest Income | 513.59 | 455.35 | 541.34 | 593.1 | 469.55 | Upgrade
|
| Net Interest Income Growth (YoY) | 12.79% | -15.88% | -8.73% | 26.31% | -10.20% | Upgrade
|
| Income From Trading Activities | 150.02 | 90.52 | 176.81 | 114.77 | 192.63 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 38.91 | -2.03 | - | 1.55 | Upgrade
|
| Other Non-Interest Income | 222.43 | 217.73 | 116.6 | 83.8 | 81.99 | Upgrade
|
| Total Non-Interest Income | 372.45 | 347.16 | 291.38 | 198.57 | 276.18 | Upgrade
|
| Non-Interest Income Growth (YoY) | 7.28% | 19.14% | 46.74% | -28.10% | 66.64% | Upgrade
|
| Revenues Before Loan Losses | 886.04 | 802.51 | 832.71 | 791.66 | 745.72 | Upgrade
|
| Provision for Loan Losses | -193.73 | -193.18 | 1,229 | 1,451 | 82.38 | Upgrade
|
| Revenue | 1,080 | 995.69 | -396.19 | -659.58 | 663.35 | Upgrade
|
| Revenue Growth (YoY) | 8.44% | - | - | - | 10.23% | Upgrade
|
| Salaries and Employee Benefits | 309.41 | 225.51 | 175.31 | 159.17 | 153.92 | Upgrade
|
| Occupancy Expenses | 60.74 | 59.01 | 54.31 | 47.28 | 37.88 | Upgrade
|
| Selling, General & Administrative | 1.43 | 3.18 | 2.47 | 2.14 | 1.91 | Upgrade
|
| Other Non-Interest Expense | 226.79 | 293.83 | 317.92 | 204.01 | 132.13 | Upgrade
|
| Total Non-Interest Expense | 598.37 | 581.53 | 550.01 | 412.6 | 325.83 | Upgrade
|
| EBT Excluding Unusual Items | 481.4 | 414.16 | -946.2 | -1,072 | 337.52 | Upgrade
|
| Pretax Income | 481.4 | 414.16 | -946.2 | -1,072 | 337.52 | Upgrade
|
| Income Tax Expense | 176.49 | 146.44 | -275.13 | -262.37 | 114.67 | Upgrade
|
| Net Income | 304.91 | 267.72 | -671.07 | -809.81 | 222.85 | Upgrade
|
| Net Income to Common | 304.91 | 267.72 | -671.07 | -809.81 | 222.85 | Upgrade
|
| Net Income Growth | 13.89% | - | - | - | 4.23% | Upgrade
|
| Basic Shares Outstanding | 1,815 | 1,293 | 627 | 627 | 625 | Upgrade
|
| Diluted Shares Outstanding | 1,815 | 1,317 | 627 | 627 | 625 | Upgrade
|
| Shares Change (YoY) | 37.82% | 110.24% | - | 0.18% | -0.00% | Upgrade
|
| EPS (Basic) | 0.17 | 0.21 | -1.07 | -1.29 | 0.36 | Upgrade
|
| EPS (Diluted) | 0.17 | 0.20 | -1.07 | -1.29 | 0.36 | Upgrade
|
| EPS Growth | -17.38% | - | - | - | 4.24% | Upgrade
|
| Dividend Per Share | - | - | - | - | 0.140 | Upgrade
|
| Dividend Growth | - | - | - | - | 27.27% | Upgrade
|
| Effective Tax Rate | 36.66% | 35.36% | - | - | 33.97% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.