Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia
· Delayed Price · Currency is ZMW 9.93
-0.01 (-0.10%)
At close: Mar 6, 2026
LUSE:ZNCO Income Statement
Financials in millions ZMW. Fiscal year is January - December.
Millions ZMW. 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 | 3,720 | 5,905 | 4,728 | 3,877 | 3,537 | Upgrade
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| Interest Income on Investments | 2,362 | - | - | - | - | Upgrade
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| Total Interest Income | 6,082 | 5,905 | 4,728 | 3,877 | 3,537 | Upgrade
|
| Interest Paid on Deposits | 1,412 | 2,105 | 1,254 | 924.15 | 998.59 | Upgrade
|
| Interest Paid on Borrowings | 481.82 | - | - | - | - | Upgrade
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| Total Interest Expense | 1,893 | 2,105 | 1,254 | 924.15 | 998.59 | Upgrade
|
| Net Interest Income | 4,188 | 3,800 | 3,474 | 2,953 | 2,539 | Upgrade
|
| Net Interest Income Growth (YoY) | 10.23% | 9.36% | 17.67% | 16.31% | 75.12% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 0 | 0.06 | 0.61 | 3.24 | Upgrade
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| Gain (Loss) on Sale of Investments | - | 440.32 | 595.17 | 108.92 | 2.74 | Upgrade
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| Other Non-Interest Income | 2,441 | 1,248 | 1,143 | 873.6 | 966.99 | Upgrade
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| Total Non-Interest Income | 2,441 | 1,689 | 1,738 | 983.12 | 972.97 | Upgrade
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| Non-Interest Income Growth (YoY) | 44.57% | -2.86% | 76.81% | 1.04% | 26.13% | Upgrade
|
| Revenues Before Loan Losses | 6,629 | 5,488 | 5,213 | 3,936 | 3,512 | Upgrade
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| Provision for Loan Losses | 79.76 | 193.2 | 21.75 | 186.15 | -62.15 | Upgrade
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| Revenue | 6,550 | 5,295 | 5,191 | 3,750 | 3,574 | Upgrade
|
| Revenue Growth (YoY) | 23.69% | 2.00% | 38.44% | 4.92% | 77.79% | Upgrade
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| Salaries and Employee Benefits | - | 1,332 | 1,200 | 881.43 | - | Upgrade
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| Occupancy Expenses | 229.65 | - | - | - | - | Upgrade
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| Selling, General & Administrative | - | 1,312 | 1,236 | 984.11 | 96.07 | Upgrade
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| Other Non-Interest Expense | 3,527 | 77.05 | 44.69 | 59 | 1,890 | Upgrade
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| Total Non-Interest Expense | 3,757 | 2,721 | 2,481 | 1,925 | 1,986 | Upgrade
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| EBT Excluding Unusual Items | 2,793 | 2,574 | 2,710 | 1,825 | 1,588 | Upgrade
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| Asset Writedown | - | - | -4.69 | -92.75 | - | Upgrade
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| Pretax Income | 2,793 | 2,574 | 2,706 | 1,732 | 1,588 | Upgrade
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| Income Tax Expense | 891.8 | 780.27 | 967.33 | 565.38 | 597.85 | Upgrade
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| Net Income | 1,901 | 1,793 | 1,738 | 1,167 | 990.28 | Upgrade
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| Net Income to Common | 1,901 | 1,793 | 1,738 | 1,167 | 990.28 | Upgrade
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| Net Income Growth | 6.01% | 3.16% | 48.96% | 17.84% | 379.19% | Upgrade
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| Basic Shares Outstanding | - | 1,444 | 1,444 | 1,444 | 1,444 | Upgrade
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| Diluted Shares Outstanding | - | 1,444 | 1,444 | 1,444 | 1,444 | Upgrade
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| EPS (Basic) | - | 1.24 | 1.20 | 0.81 | 0.69 | Upgrade
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| EPS (Diluted) | - | 1.24 | 1.20 | 0.81 | 0.69 | Upgrade
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| EPS Growth | - | 3.16% | 48.96% | 17.84% | 379.19% | Upgrade
|
| Dividend Per Share | - | 0.438 | 0.429 | 0.292 | 0.252 | Upgrade
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| Dividend Growth | - | 2.10% | 46.92% | 15.87% | 342.11% | Upgrade
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| Effective Tax Rate | 31.93% | 30.32% | 35.75% | 32.64% | 37.65% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.