CalBank 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	Mar '26 Mar 31, 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	2,199	543.35	922.31	1,189	1,066	676.49
Investment Securities	8,082	7,072	4,906	3,008	2,699	4,974
Trading Asset Securities	77.3	113.65	0.01	77.81	47	698.98
Total Investments	8,159	7,185	4,906	3,086	2,746	5,673
Gross Loans	1,147	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	1,147	1,071	2,102	2,755	3,190	2,240
Property, Plant & Equipment	753.39	765.47	631.39	712.99	707.46	502.1
Other Intangible Assets	71.38	73.47	81.89	81.33	82.64	75.08
Other Receivables	300.66	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	200.7	423.9	587.71	668.23	361.93	28.27
Other Long-Term Assets	596.61	-	-	-	-	-
Total Assets	13,427	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	10,411	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	10,411	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	349.13	131.69	93.36	1,149	282.65	94.05
Long-Term Debt	933.14	88.16	97.93	1,069	987.18	581.69
Long-Term Leases	44.83	21.7	66.2	59.04	58.03	77.5
Total Liabilities	11,738	10,345	11,416	10,041	8,719	8,753
Common Stock	1,422	1,422	545.85	400	400	400
Retained Earnings	-85.82	-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	353.21	353.92	224.91	224.91	226.07	102.81
Shareholders' Equity	1,689	1,582	272.56	-141	531.23	1,287
Total Liabilities & Equity	13,427	11,927	11,689	9,900	9,251	10,040
Total Debt	977.97	1,073	1,613	1,361	1,677	2,300
Net Cash (Debt)	1,298	-416.02	-690.18	-93.79	-564.22	-924.93
Net Cash Per Share	0.31	-0.23	-0.52	-0.15	-0.90	-1.48
Filing Date Shares Outstanding	4,233	4,233	1,083	627.54	627.54	626.4
Total Common Shares Outstanding	4,233	4,233	1,083	627.54	627.54	626.4
Book Value Per Share	0.40	0.37	0.25	-0.22	0.85	2.05
Tangible Book Value	1,618	1,509	190.68	-222.33	448.59	1,211
Tangible Book Value Per Share	0.38	0.36	0.18	-0.35	0.71	1.93

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