Ecobank Ghana PLC (GHSE:EGH)

Ecobank Ghana 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	19,820	20,742	8,693	3,618	1,588	2,897
Investment Securities	10,283	5,926	9,821	6,343	5,884	5,057
Trading Asset Securities	1,975	431.61	208.7	1,117	1,765	498.41
Total Investments	12,259	6,358	10,030	7,460	7,649	5,555
Gross Loans	12,118	12,401	10,599	9,456	6,225	5,310
Allowance for Loan Losses	-	-1,800	-1,082	-589.57	-531.27	-332.22
Net Loans	12,118	10,601	9,518	8,866	5,694	4,978
Property, Plant & Equipment	1,374	1,356	1,333	1,304	626	626.85
Other Intangible Assets	3.84	6.62	6.14	20.7	41.21	84.77
Other Receivables	-	1,525	670.07	1,005	712.16	475.88
Restricted Cash	-	-	2,564	2,781	1,098	919.93
Other Current Assets	-	62.28	79.03	13.48	80.19	132.76
Long-Term Deferred Tax Assets	653.74	657.29	752.53	420.84	59.48	3.17
Other Real Estate Owned & Foreclosed	102.81	139.81	18	19.95	32.67	32.67
Other Long-Term Assets	3,568	4,555	-	399.83	345.45	244.22
Total Assets	49,899	46,002	33,663	25,908	17,926	15,951
Accrued Expenses	-	798.5	307.67	332.34	171.2	192.26
Interest Bearing Deposits	40,661	15,274	9,063	8,226	4,540	4,141
Non-Interest Bearing Deposits	-	23,179	19,634	14,041	9,987	8,740
Total Deposits	40,661	38,453	28,697	22,267	14,527	12,881
Current Portion of Long-Term Debt	-	177.97	45.76	9.97	19.56	19.41
Current Portion of Leases	-	29.7	7.38	16.29	4.64	5.26
Current Income Taxes Payable	19.49	-	32.92	-	-	41.84
Other Current Liabilities	-	169.27	168.27	16.43	9.46	9.82
Long-Term Debt	487.56	216.04	103.47	-	5.98	23.11
Long-Term Leases	99.97	79.67	54.08	48.87	52.56	47.18
Pension & Post-Retirement Benefits	-	210.44	97.67	69.76	56.35	41.28
Other Long-Term Liabilities	1,916	467.79	486.36	441.7	395.19	241.93
Total Liabilities	43,184	40,603	30,001	23,202	15,242	13,503
Common Stock	416.64	416.64	416.64	416.64	416.64	416.64
Retained Earnings	5,528	4,222	2,522	1,889	2,105	1,700
Comprehensive Income & Other	769.89	760.64	722.66	399.09	161.35	330.36
Total Common Equity	6,715	5,399	3,661	2,705	2,683	2,447
Minority Interest	0.62	0.48	0.71	0.61	0.59	0.57
Shareholders' Equity	6,715	5,400	3,662	2,706	2,683	2,448
Total Liabilities & Equity	49,899	46,002	33,663	25,908	17,926	15,951
Total Debt	587.53	503.38	210.69	75.13	82.74	94.96
Net Cash (Debt)	21,208	20,671	8,691	4,659	3,270	3,301
Net Cash Growth	81.62%	137.85%	86.52%	42.48%	-0.92%	68.85%
Net Cash Per Share	-	64.08	26.94	14.44	10.14	10.23
Filing Date Shares Outstanding	-	322.55	322.55	322.55	322.55	322.55
Total Common Shares Outstanding	-	322.55	322.55	322.55	322.55	322.55
Book Value Per Share	-	16.74	11.35	8.39	8.32	7.59
Tangible Book Value	6,711	5,393	3,655	2,684	2,642	2,363
Tangible Book Value Per Share	-	16.72	11.33	8.32	8.19	7.32

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.