Access Bank (Ghana) Balance Sheet

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	4,246	1,104	1,426	2,450	507.23	973.73
Investment Securities	6,208	5,548	5,115	3,954	3,580	2,019
Trading Asset Securities	1,846	533.07	422.21	274.17	1,177	1,235
Total Investments	8,054	6,081	5,537	4,228	4,758	3,254
Gross Loans	3,591	3,800	2,437	1,707	1,370	1,127
Allowance for Loan Losses	-	-100.61	-93.82	-66.33	-203.35	-
Net Loans	3,591	3,699	2,344	1,641	1,167	1,127
Property, Plant & Equipment	649.35	627.2	439.84	385.6	359.24	273.94
Other Intangible Assets	22.9	43.76	64.57	57.04	1.29	2.25
Other Receivables	319.06	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	2,336	-	0	-	-	142.51
Total Assets	19,404	16,562	12,304	10,057	7,455	5,824
Interest Bearing Deposits	14,546	4,445	3,565	2,500	2,449	4,142
Non-Interest Bearing Deposits	-	8,714	5,704	5,003	2,750	-
Total Deposits	14,546	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	916	305.25	240.3	389.56	310.75	435.18
Long-Term Leases	62.57	65.79	48.69	43.08	32.66	-
Long-Term Deferred Tax Liabilities	-	-	-	-	-	39.04
Other Long-Term Liabilities	1,743	620.86	492.46	651.62	71.44	155.38
Total Liabilities	17,267	14,804	10,902	9,043	6,093	4,772
Common Stock	400	400	400	400	400	400
Retained Earnings	2,026	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	2,137	1,758	1,403	1,014	1,363	1,052
Total Liabilities & Equity	19,404	16,562	12,304	10,057	7,455	5,824
Total Debt	978.57	1,025	1,140	888.34	822.72	435.18
Net Cash (Debt)	5,113	612.1	708.21	1,835	861.79	1,774
Net Cash Growth	17.66%	-13.57%	-61.41%	112.98%	-51.41%	71.46%
Net Cash Per Share	29.36	3.52	4.07	10.55	4.95	10.02
Filing Date Shares Outstanding	174.99	173.95	173.95	173.95	174	173.95
Total Common Shares Outstanding	174.99	173.95	173.95	173.95	174	173.95
Book Value Per Share	12.21	10.10	8.06	5.83	7.83	6.05
Tangible Book Value	2,114	1,714	1,338	957.16	1,361	1,050
Tangible Book Value Per Share	12.08	9.85	7.69	5.50	7.82	6.04

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