Ecobank Ghana 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	14,896	20,742	8,693	3,618	1,588
Investment Securities	15,243	5,926	9,821	6,343	5,884
Trading Asset Securities	1,645	431.61	208.7	1,117	1,765
Total Investments	16,888	6,358	10,030	7,460	7,649
Gross Loans	-	12,401	10,599	9,456	6,225
Allowance for Loan Losses	-	-1,800	-1,082	-589.57	-531.27
Net Loans	-	10,601	9,518	8,866	5,694
Property, Plant & Equipment	1,394	1,356	1,333	1,304	626
Other Intangible Assets	3.63	6.62	6.14	20.7	41.21
Loans Held for Sale	13,148	-	-	-	-
Other Receivables	71.63	1,525	670.07	1,005	712.16
Restricted Cash	-	-	2,564	2,781	1,098
Other Current Assets	-	62.28	79.03	13.48	80.19
Long-Term Deferred Tax Assets	489.55	657.29	752.53	420.84	59.48
Other Real Estate Owned & Foreclosed	13.35	139.81	18	19.95	32.67
Other Long-Term Assets	424.01	4,555	-	399.83	345.45
Total Assets	47,329	46,002	33,663	25,908	17,926
Accrued Expenses	-	798.5	307.67	332.34	171.2
Interest Bearing Deposits	36,277	15,274	9,063	8,226	4,540
Non-Interest Bearing Deposits	-	23,179	19,634	14,041	9,987
Total Deposits	36,277	38,453	28,697	22,267	14,527
Current Portion of Long-Term Debt	-	177.97	45.76	9.97	19.56
Current Portion of Leases	-	29.7	7.38	16.29	4.64
Current Income Taxes Payable	-	-	32.92	-	-
Other Current Liabilities	-	169.27	168.27	16.43	9.46
Long-Term Debt	455.98	216.04	103.47	-	5.98
Long-Term Leases	101.22	79.67	54.08	48.87	52.56
Pension & Post-Retirement Benefits	-	210.44	97.67	69.76	56.35
Other Long-Term Liabilities	3,319	467.79	486.36	441.7	395.19
Total Liabilities	40,154	40,603	30,001	23,202	15,242
Common Stock	416.64	416.64	416.64	416.64	416.64
Retained Earnings	5,935	4,222	2,522	1,889	2,105
Comprehensive Income & Other	822.99	760.64	722.66	399.09	161.35
Total Common Equity	7,175	5,399	3,661	2,705	2,683
Minority Interest	0.72	0.48	0.71	0.61	0.59
Shareholders' Equity	7,175	5,400	3,662	2,706	2,683
Total Liabilities & Equity	47,329	46,002	33,663	25,908	17,926
Total Debt	557.2	503.38	210.69	75.13	82.74
Net Cash (Debt)	15,984	20,671	8,691	4,659	3,270
Net Cash Growth	-22.67%	137.85%	86.52%	42.48%	-0.92%
Net Cash Per Share	49.55	64.08	26.94	14.44	10.14
Filing Date Shares Outstanding	-	322.55	322.55	322.55	322.55
Total Common Shares Outstanding	-	322.55	322.55	322.55	322.55
Book Value Per Share	-	16.74	11.35	8.39	8.32
Tangible Book Value	7,171	5,393	3,655	2,684	2,642
Tangible Book Value Per Share	-	16.72	11.33	8.32	8.19

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