Agricultural Development Bank Plc (GHSE:ADB)

GHSE:ADB 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	7,183	7,177	3,800	1,909	717.48	1,035
Investment Securities	4,824	4,023	1,993	1,801	2,648	1,958
Total Investments	4,824	4,023	1,993	1,801	2,648	1,958
Gross Loans	2,259	2,575	2,938	3,242	2,745	2,318
Allowance for Loan Losses	-	-	-	-	-463.08	-406.38
Net Loans	2,259	2,575	2,938	3,242	2,282	1,912
Property, Plant & Equipment	249.88	267.74	306.77	327.26	264.29	279.33
Other Intangible Assets	8.7	12.1	19.04	20.09	28.03	37.7
Other Receivables	-	57.58	9.05	10.85	19.58	32.26
Restricted Cash	28.85	33.81	73.43	-	406.03	385.54
Other Current Assets	-	-	-	-	12.54	12.56
Long-Term Deferred Tax Assets	324.65	334.89	56.07	38.55	55.81	43.75
Other Long-Term Assets	110.86	124.6	117.33	63.92	20.14	19.31
Total Assets	14,990	14,605	9,313	7,413	6,454	5,716
Accrued Expenses	-	-	-	-	15.06	13.31
Interest Bearing Deposits	12,030	12,046	8,545	5,865	1,390	1,118
Non-Interest Bearing Deposits	-	-	-	-	3,537	3,163
Total Deposits	12,030	12,046	8,545	5,865	4,927	4,281
Current Income Taxes Payable	56.49	-	-	-	35.27	-
Other Current Liabilities	-	-	-	-	1.69	7.24
Long-Term Debt	1,043	929.86	547.31	588.44	294.56	313.17
Long-Term Leases	95.92	140.67	163.82	149.63	162.82	181.82
Pension & Post-Retirement Benefits	-	-	-	-	3.13	2.91
Other Long-Term Liabilities	256.06	210.32	158.51	151.61	76.11	65.68
Total Liabilities	13,481	13,327	9,415	6,755	5,516	4,865
Common Stock	2,147	2,147	698.7	698.7	698.7	698.7
Retained Earnings	-942.64	-1,173	-1,076	-247.61	123.67	42.07
Comprehensive Income & Other	304.43	304.43	275.44	207.1	115.89	109.86
Shareholders' Equity	1,509	1,278	-102.3	658.19	938.26	850.62
Total Liabilities & Equity	14,990	14,605	9,313	7,413	6,454	5,716
Total Debt	1,139	1,071	711.13	738.07	457.38	495
Net Cash (Debt)	6,045	6,106	3,089	1,520	606.32	849.59
Net Cash Growth	63.71%	97.69%	103.15%	150.77%	-28.63%	-44.38%
Net Cash Per Share	0.03	0.03	0.09	4.38	1.75	2.45
Filing Date Shares Outstanding	157,201	697,047	137,677	346.95	346.95	346.95
Total Common Shares Outstanding	157,201	697,047	137,677	346.95	346.95	346.95
Book Value Per Share	0.01	0.00	-0.00	1.90	2.70	2.45
Tangible Book Value	1,500	1,266	-121.33	638.1	910.22	812.92
Tangible Book Value Per Share	0.01	0.00	-0.00	1.84	2.62	2.34

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