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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Equivalents	4,398	822.51	2,411	1,426	2,450	507.23
Investment Securities	6,590	7,294	5,136	5,115	3,954	3,580
Trading Asset Securities	533.91	516.14	533.07	422.21	274.17	1,177
Total Investments	7,124	7,810	5,669	5,537	4,228	4,758
Gross Loans	4,943	5,234	3,800	2,437	1,707	1,370
Allowance for Loan Losses	-	-177.22	-100.61	-93.82	-66.33	-203.35
Net Loans	4,943	5,057	3,699	2,344	1,641	1,167
Property, Plant & Equipment	614.63	619.28	627.2	439.84	385.6	359.24
Other Intangible Assets	13.76	19.97	43.76	64.57	57.04	1.29
Other Receivables	164.46	1,073	1,921	945.84	409.93	176.01
Restricted Cash	-	3,315	1,533	1,231	635.23	462.3
Other Current Assets	-	70.27	59.52	21.97	11.97	6.08
Long-Term Deferred Tax Assets	159.04	159.04	185.24	293.96	239.05	18.67
Other Long-Term Assets	878.16	77	412.17	0	-	-
Total Assets	18,295	19,023	16,562	12,304	10,057	7,455
Interest Bearing Deposits	14,379	6,416	4,445	3,565	2,500	2,449
Non-Interest Bearing Deposits	-	8,910	8,714	5,704	5,003	2,750
Total Deposits	14,379	15,326	13,158	9,269	7,503	5,199
Current Portion of Long-Term Debt	-	306.88	654.08	851.33	455.7	479.31
Long-Term Debt	851.72	534.19	305.25	240.3	389.56	310.75
Long-Term Leases	42.41	44.72	65.79	48.69	43.08	32.66
Other Long-Term Liabilities	702.89	766.57	620.86	492.46	651.62	71.44
Total Liabilities	15,976	16,978	14,804	10,902	9,043	6,093
Common Stock	400	400	400	400	400	400
Retained Earnings	2,144	1,870	1,647	1,110	491.16	967.18
Comprehensive Income & Other	-225.17	-225.17	-288.82	-106.89	123.04	-4.61
Shareholders' Equity	2,319	2,044	1,758	1,403	1,014	1,363
Total Liabilities & Equity	18,295	19,023	16,562	12,304	10,057	7,455
Total Debt	894.13	885.79	1,025	1,140	888.34	822.72
Net Cash (Debt)	4,038	452.86	1,919	708.21	1,835	861.79
Net Cash Growth	-29.39%	-76.41%	171.02%	-61.41%	112.98%	-51.41%
Net Cash Per Share	23.23	2.60	11.03	4.07	10.55	4.95
Filing Date Shares Outstanding	174.74	173.95	173.95	173.95	173.95	174
Total Common Shares Outstanding	174.74	173.95	173.95	173.95	173.95	174
Book Value Per Share	13.27	11.75	10.10	8.06	5.83	7.83
Tangible Book Value	2,305	2,024	1,714	1,338	957.16	1,361
Tangible Book Value Per Share	13.19	11.64	9.85	7.69	5.50	7.82