CalBank Balance Sheet

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	543.35	922.31	1,189	1,066	676.49
Investment Securities	7,072	4,906	3,008	2,699	4,974
Trading Asset Securities	113.65	0.01	77.81	47	698.98
Total Investments	7,185	4,906	3,086	2,746	5,673
Gross Loans	1,290	3,466	3,850	3,738	2,453
Allowance for Loan Losses	-219.35	-1,364	-1,096	-547.72	-213.4
Net Loans	1,071	2,102	2,755	3,190	2,240
Property, Plant & Equipment	765.47	631.39	712.99	707.46	502.1
Other Intangible Assets	73.47	81.89	81.33	82.64	75.08
Other Receivables	652.73	554.29	177.03	86.45	17.1
Restricted Cash	1,200	1,886	1,132	942.86	631.21
Other Current Assets	11.36	17.22	98.34	66.56	197.24
Long-Term Deferred Tax Assets	423.9	587.71	668.23	361.93	28.27
Total Assets	11,927	11,689	9,900	9,251	10,040
Accrued Expenses	74.75	52.7	45.47	24.75	48.42
Interest Bearing Deposits	3,333	2,641	3,303	3,248	3,542
Non-Interest Bearing Deposits	5,733	7,017	4,182	3,486	2,766
Total Deposits	9,065	9,658	7,485	6,735	6,308
Short-Term Borrowings	241.29	271.62	20.05	501.1	1,205
Current Portion of Long-Term Debt	694.42	1,168	203.2	122.67	428.07
Current Portion of Leases	27.46	9.15	9.15	8.26	8.63
Current Income Taxes Payable	-	-	-	-	2.16
Other Current Liabilities	131.69	93.36	1,149	282.65	94.05
Long-Term Debt	88.16	97.93	1,069	987.18	581.69
Long-Term Leases	21.7	66.2	59.04	58.03	77.5
Total Liabilities	10,345	11,416	10,041	8,719	8,753
Common Stock	1,422	545.85	400	400	400
Retained Earnings	-192.58	-497.49	-765.21	-94.14	784.6
Treasury Stock	-0.71	-0.71	-0.71	-0.71	-0.85
Comprehensive Income & Other	353.92	224.91	224.91	226.07	102.81
Shareholders' Equity	1,582	272.56	-141	531.23	1,287
Total Liabilities & Equity	11,927	11,689	9,900	9,251	10,040
Total Debt	1,073	1,613	1,361	1,677	2,300
Net Cash (Debt)	-416.02	-690.18	-93.79	-564.22	-924.93
Net Cash Per Share	-0.23	-0.52	-0.15	-0.90	-1.48
Filing Date Shares Outstanding	4,233	1,083	627.54	627.54	626.4
Total Common Shares Outstanding	4,233	1,083	627.54	627.54	626.4
Book Value Per Share	0.37	0.25	-0.22	0.85	2.05
Tangible Book Value	1,509	190.68	-222.33	448.59	1,211
Tangible Book Value Per Share	0.36	0.18	-0.35	0.71	1.93

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.