Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia
· Delayed Price · Currency is ZMW 9.65
0.00 (0.00%)
At close: Apr 27, 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 | 6,330 | 5,905 | 4,728 | 3,877 | 3,537 | Upgrade
|
| Interest Paid on Deposits | 1,912 | 2,105 | 1,254 | 924.15 | 998.59 | Upgrade
|
| Net Interest Income | 4,417 | 3,800 | 3,474 | 2,953 | 2,539 | Upgrade
|
| Net Interest Income Growth (YoY) | 16.26% | 9.36% | 17.67% | 16.31% | 75.12% | Upgrade
|
| Gain (Loss) on Sale of Assets | 0.38 | 0 | 0.06 | 0.61 | 3.24 | Upgrade
|
| Gain (Loss) on Sale of Investments | 364.52 | 440.32 | 595.17 | 108.92 | 2.74 | Upgrade
|
| Other Non-Interest Income | 1,365 | 1,248 | 1,143 | 873.6 | 966.99 | Upgrade
|
| Total Non-Interest Income | 1,730 | 1,689 | 1,738 | 983.12 | 972.97 | Upgrade
|
| Non-Interest Income Growth (YoY) | 2.46% | -2.86% | 76.81% | 1.04% | 26.13% | Upgrade
|
| Revenues Before Loan Losses | 6,147 | 5,488 | 5,213 | 3,936 | 3,512 | Upgrade
|
| Provision for Loan Losses | -23.21 | 193.2 | 21.75 | 186.15 | -62.15 | Upgrade
|
| Revenue | 6,171 | 5,295 | 5,191 | 3,750 | 3,574 | Upgrade
|
| Revenue Growth (YoY) | 16.54% | 2.00% | 38.44% | 4.92% | 77.79% | Upgrade
|
| Salaries and Employee Benefits | 1,653 | 1,332 | 1,200 | 881.43 | - | Upgrade
|
| Selling, General & Administrative | 1,541 | 1,312 | 1,236 | 984.11 | 96.07 | Upgrade
|
| Other Non-Interest Expense | 41.9 | 77.05 | 44.69 | 59 | 1,890 | Upgrade
|
| Total Non-Interest Expense | 3,236 | 2,721 | 2,481 | 1,925 | 1,986 | Upgrade
|
| EBT Excluding Unusual Items | 2,935 | 2,574 | 2,710 | 1,825 | 1,588 | Upgrade
|
| Asset Writedown | -1.83 | - | -4.69 | -92.75 | - | Upgrade
|
| Pretax Income | 2,933 | 2,574 | 2,706 | 1,732 | 1,588 | Upgrade
|
| Income Tax Expense | 934.05 | 780.27 | 967.33 | 565.38 | 597.85 | Upgrade
|
| Net Income | 1,999 | 1,793 | 1,738 | 1,167 | 990.28 | Upgrade
|
| Net Income to Common | 1,999 | 1,793 | 1,738 | 1,167 | 990.28 | Upgrade
|
| Net Income Growth | 11.45% | 3.16% | 48.96% | 17.84% | 379.19% | Upgrade
|
| Basic Shares Outstanding | 1,444 | 1,444 | 1,444 | 1,444 | 1,444 | Upgrade
|
| Diluted Shares Outstanding | 1,444 | 1,444 | 1,444 | 1,444 | 1,444 | Upgrade
|
| EPS (Basic) | 1.38 | 1.24 | 1.20 | 0.81 | 0.69 | Upgrade
|
| EPS (Diluted) | 1.38 | 1.24 | 1.20 | 0.81 | 0.69 | Upgrade
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| EPS Growth | 11.45% | 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
|
| Effective Tax Rate | 31.85% | 30.32% | 35.75% | 32.64% | 37.65% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.