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CAL Bank (XGHA:CAL) Net Margin % : -138.63% (As of Dec. 2023)


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What is CAL Bank Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. CAL Bank's Net Income for the six months ended in Dec. 2023 was GHS-776.8 Mil. CAL Bank's Revenue for the six months ended in Dec. 2023 was GHS560.3 Mil. Therefore, CAL Bank's net margin for the quarter that ended in Dec. 2023 was -138.63%.

The historical rank and industry rank for CAL Bank's Net Margin % or its related term are showing as below:

XGHA:CAL' s Net Margin % Range Over the Past 10 Years
Min: -69.82   Med: 32.2   Max: 246.06
Current: -69.82


XGHA:CAL's Net Margin % is ranked worse than
98.9% of 1460 companies
in the Banks industry
Industry Median: 25.09 vs XGHA:CAL: -69.82

CAL Bank Net Margin % Historical Data

The historical data trend for CAL Bank's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

CAL Bank Net Margin % Chart

CAL Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.45 31.32 33.85 246.06 -69.82

CAL Bank Semi-Annual Data
Jun14 Dec14 Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 36.63 31.23 125.08 26.38 -138.63

Competitive Comparison of CAL Bank's Net Margin %

For the Banks - Regional subindustry, CAL Bank's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


CAL Bank's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, CAL Bank's Net Margin % distribution charts can be found below:

* The bar in red indicates where CAL Bank's Net Margin % falls into.



CAL Bank Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

CAL Bank's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=-671.068/961.085
=-69.82 %

CAL Bank's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin=Net Income (Q: Dec. 2023 )/Revenue (Q: Dec. 2023 )
=-776.784/560.336
=-138.63 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


CAL Bank  (XGHA:CAL) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


CAL Bank Net Margin % Related Terms

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CAL Bank (XGHA:CAL) Business Description

Traded in Other Exchanges
N/A
Address
23 Independence Avenue, P.O. Box 14596, Accra, GHA
CAL Bank Ltd is engaged in providing banking solutions. Its reportable segments are Corporate Banking, Retail & Business Banking, Treasury, Brokerage, & Asset Management. Corporate Banking is responsible for providing loans & other credit facilities, deposits & other transactions & balances to corporate clients, institutional clients, & public sector entities. The Treasury segment undertakes the Bank's funding & centralized risk management activities through borrowings & investing in liquid assets. The Retail & Business Banking segment provides loans & overdrafts, & handles the deposits & other transactions of SMEs, & individual customers such as funds transfer, standing orders, and ATM Card services. The majority is from Retail & business banking. The key revenue is from Greater Accra.