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June 2025 June 2024 Interest income 740,558 651,473 Interest expense (482,361) (431,117) Net interest income 258,197 220,356 Net fee and commission 417,461 337,155 Net Impairment loss on financial assets (2,605) (4,100) Net trading income 108,866 195,136 Other operating income 50,057 40,336 T otal operating income 831,976 788,883 Personnel expenses (148,512) (95,815) Depreciation and amortization (55,256) (41,305) Other operating expenses (159,979) (95,431) Profit before income tax 468,229 556,332 T axation (163,880) (194,716) Profit after tax 304,349 361,616 Other comprehensive income - - T otal comprehensive income for the period attributable to equity holders of the Bank 304,349 361,616 Earnings per share Basic & Diluted 1.75 2.08 June 2025 June 2024 Assets Cash and cash equivalents 6,087,345 4,092,570 Non-pledged trading assets 615,977 306,061 Investment securities 6,016,345 5,738,079 Loans and advances to customers 3,175,830 3,120,008 Property, equipment and right-of-use assets 643,003 478,922 Intangible assets 28,173 53,699 Current T ax 279,823 79,595 Deferred income tax asset 185,237 293,958 Other assets 2,321,615 1,511,586 T otal assets 19,353,348 15,674,478 Liabilities Deposits from banks 128,156 862,573 Deposits from customers 14,028,357 11,346,007 Borrowings 926,020 1,339,295 Lease Obligation 58,974 59,144 Other liabilities 2,149,771 303,106 T otal liabilities 17,291,278 13,910,125 Equity Stated capital 400,000 400,000 Statutory reserve 641,420 581,465 Credit risk reserve 29,745 25,564 Retained earnings 1,279,721 864,212 Fair value reserve (288,816) (106,888) T otal equity 2,062,070 1,764,353 T otal equity and liabilities 19,353,348 15,674,478 30 June 2025 Stated capital Statutory reserve Credit risk reserve Retained earnings Fair value reserve T otal At 1 January 2025 400,000 603,377 12,248 1,030,912 (288,816) 1,757,721 Profit for the period - - - 304,349 - 304,349 Changes in FV of financial assets - FVOCI - - - - - - T otal comprehensive income - - - 304,349 - 304,349 T ransfer to credit risk reserve - - 17,497 (17,497) - - T ransfer to statutory reserve - 38,043 - (38,043) - - Other movements in equity - 38,043 17,497 (55,540) - - At 30 June 2025 400,000 641,420 29,745 1,279,721 (288,816) 2,062,070 30 June 2024 Stated capital Statutory reserve Credit risk reserve Retained earnings Fair value reserve T otal At 1 January 2024 400,000 536,263 14,986 558,376 (106,888) 1,402,737 Profit for the period - - - 361,616 - 361,616 Changes in FV of financial assets - FVOCI - - - - - - T otal comprehensive income - - - 361,616 - 361,616 T ransfer to credit risk reserve - - 10,578 (10,578) - - T ransfer to statutory reserve - 45,202 - (45,202) - - Other movements in equity - 45,202 10,578 (55,780) - - At 30 June 2024 400,000 581,465 25,564 864,212 (106,888) 1,764,353 June 2025 June 2024 Cash flows from operating activities Profit before tax 468,229 556,332 Adjustments for: Depreciation of property, plant and equipment 38,255 26,366 Amortisation of intangible assets 17,000 14,938 Interest expense on borrowings 45,344 78,124 Finance cost on lease obligation 5,293 5,334 Write off of property and equipment 322 94 Gain on derecognition of leases (3,642) (2,434) Impairment on financial instruments 2,605 4,100 Profit on disposal of property, plant and equipment (114) (27) Change in loans and advances 520,584 (776,416) Change in investment securities (740,010) (843,713) Change in other assets (576,887) (550,130) Change in deposits from customers 1,133,961 2,548,894 Change in deposits from banks 12,414 723,400 Change in other liabilities 1,528,914 (189,353) Exchange loss on leases 16 - Exchange gain/loss on borrowings (295,261) 234,299 Effect of exchange rate changes on cash held 18,837 (10,019) T ax paid (174,409) (267,956) Net cash used/generated in operating activities 2,001,451 1,551,833 Cash flows from investing activities Purchase of property and equipment (54,688) (56,393) Purchase of intangible assets (660) (3,921) Proceeds from the sale of property and equipment 64 92 Net cash used in investing activities (55,284) (60,222) Cash flows from financing activities Repayment of principal portion of lease liability (1,282) (1,510) Drawdown on borrowings 1,119,291 1,379,711 Repayment of borrowings (902,685) (1,444,463) Net cash generated from financing activities 215,324 (66,262) Net increase in cash and cash equivalents 2,161,491 1,425,349 Effect of exchange rate changes on cash held (18,837) 10,019 Cash and cash equivalents at 1 January 3,944,691 2,657,202 Cash and cash equivalents at 30 June 6,087,345 4,092,570 3. QUANTIT A TIVE DISCLOSURES June 2025 June2024 (a) Capital Adequacy Ratio 19.08% 19.82% (b) Non-performing loans 3.41% 3.26% (c) Liquid ratio 91.53% 63.69% 4. DEF AUL TS IN ST A TUTORY LIQUIDITY AND ACCOMPANYING SANCTIONS June 2025 June 2024 (a) Default in statutory liquidity Nil Nil (b) Default in statutory liquidity sanction (GHS‘000) Nil Nil (c) Other regulatory sanctions (GHS’000) 201 444 Signed Signed Ama Sarpong Bawuah Olumide Olatunji Chairperson Managing Director AccessBankGhana We are the ‘Best Bank’ 2025 Euromoney Awards for Excellence! For you, we will keep doing more.