Access Bank (Ghana) Plc (GHSE:ACCESS)

Access Bank (Ghana) Balance Sheet

Financials in millions GHS. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	6,087	1,104	1,426	2,450	507.23	973.73
Investment Securities	6,016	5,548	5,115	3,954	3,580	2,019
Trading Asset Securities	615.98	533.07	422.21	274.17	1,177	1,235
Total Investments	6,632	6,081	5,537	4,228	4,758	3,254
Gross Loans	3,176	3,800	2,437	1,707	1,370	1,127
Allowance for Loan Losses	-	-100.61	-93.82	-66.33	-203.35	-
Net Loans	3,176	3,699	2,344	1,641	1,167	1,127
Property, Plant & Equipment	643	627.2	439.84	385.6	359.24	273.94
Other Intangible Assets	28.17	43.76	64.57	57.04	1.29	2.25
Other Receivables	279.82	1,921	945.84	409.93	176.01	13.82
Restricted Cash	-	2,841	1,231	635.23	462.3	-
Other Current Assets	-	59.52	21.97	11.97	6.08	-
Long-Term Deferred Tax Assets	185.24	185.24	293.96	239.05	18.67	36.63
Other Long-Term Assets	2,322	-	0	-	-	142.51
Total Assets	19,353	16,562	12,304	10,057	7,455	5,824
Interest Bearing Deposits	14,157	4,445	3,565	2,500	2,449	4,142
Non-Interest Bearing Deposits	-	8,714	5,704	5,003	2,750	-
Total Deposits	14,157	13,158	9,269	7,503	5,199	4,142
Current Portion of Long-Term Debt	-	654.08	851.33	455.7	479.31	-
Long-Term Debt	926.02	305.25	240.3	389.56	310.75	435.18
Long-Term Leases	58.97	65.79	48.69	43.08	32.66	-
Long-Term Deferred Tax Liabilities	-	-	-	-	-	39.04
Other Long-Term Liabilities	2,150	620.86	492.46	651.62	71.44	155.38
Total Liabilities	17,291	14,804	10,902	9,043	6,093	4,772
Common Stock	400	400	400	400	400	400
Retained Earnings	1,951	1,647	1,110	491.16	967.18	645.61
Comprehensive Income & Other	-288.82	-288.82	-106.89	123.04	-4.61	6.51
Shareholders' Equity	2,062	1,758	1,403	1,014	1,363	1,052
Total Liabilities & Equity	19,353	16,562	12,304	10,057	7,455	5,824
Total Debt	984.99	1,025	1,140	888.34	822.72	435.18
Net Cash (Debt)	5,718	612.1	708.21	1,835	861.79	1,774
Net Cash Growth	90.60%	-13.57%	-61.41%	112.98%	-51.41%	71.46%
Net Cash Per Share	32.87	3.52	4.07	10.55	4.95	10.02
Filing Date Shares Outstanding	173.92	173.95	173.95	173.95	174	173.95
Total Common Shares Outstanding	173.92	173.95	173.95	173.95	174	173.95
Book Value Per Share	11.86	10.10	8.06	5.83	7.83	6.05
Tangible Book Value	2,034	1,714	1,338	957.16	1,361	1,050
Tangible Book Value Per Share	11.69	9.85	7.69	5.50	7.82	6.04

Source: S&P Global Market Intelligence. Banks template. Financial Sources.