Ecobank Ghana 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	Jun '26 Jun 30, 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	21,195	14,896	20,742	8,693	3,618	1,588
Investment Securities	16,395	11,318	5,926	9,821	6,343	5,884
Trading Asset Securities	2,099	1,645	431.61	208.7	1,117	1,765
Total Investments	18,494	12,963	6,358	10,030	7,460	7,649
Gross Loans	13,718	15,135	12,401	10,599	9,456	6,225
Allowance for Loan Losses	-	-1,987	-1,800	-1,082	-589.57	-531.27
Net Loans	13,718	13,148	10,601	9,518	8,866	5,694
Property, Plant & Equipment	1,375	1,394	1,356	1,333	1,304	626
Other Intangible Assets	2.86	3.63	6.62	6.14	20.7	41.21
Other Receivables	42.04	427.14	1,525	670.07	1,005	712.16
Restricted Cash	-	-	-	2,564	2,781	1,098
Other Current Assets	-	68.5	62.28	79.03	13.48	80.19
Long-Term Deferred Tax Assets	484.96	489.55	657.29	752.53	420.84	59.48
Other Real Estate Owned & Foreclosed	13.35	13.35	139.81	18	19.95	32.67
Other Long-Term Assets	780.5	3,925	4,555	-	399.83	345.45
Total Assets	56,107	47,329	46,002	33,663	25,908	17,926
Accrued Expenses	-	261.67	798.5	307.67	332.34	171.2
Interest Bearing Deposits	45,115	14,856	15,274	9,063	8,226	4,540
Non-Interest Bearing Deposits	-	21,422	23,179	19,634	14,041	9,987
Total Deposits	45,115	36,277	38,453	28,697	22,267	14,527
Current Portion of Long-Term Debt	-	38.86	177.97	45.76	9.97	19.56
Current Portion of Leases	-	27.49	29.7	7.38	16.29	4.64
Current Income Taxes Payable	-	-	-	32.92	-	-
Other Current Liabilities	-	37.34	169.27	168.27	16.43	9.46
Long-Term Debt	307.1	417.13	216.04	103.47	-	5.98
Long-Term Leases	59.28	73.73	79.67	54.08	48.87	52.56
Pension & Post-Retirement Benefits	-	190.88	210.44	97.67	69.76	56.35
Other Long-Term Liabilities	2,995	2,829	467.79	486.36	441.7	395.19
Total Liabilities	48,476	40,154	40,603	30,001	23,202	15,242
Common Stock	416.64	416.64	416.64	416.64	416.64	416.64
Retained Earnings	6,413	5,935	4,222	2,522	1,889	2,105
Comprehensive Income & Other	800.67	822.99	760.64	722.66	399.09	161.35
Total Common Equity	7,630	7,175	5,399	3,661	2,705	2,683
Minority Interest	0.97	0.72	0.48	0.71	0.61	0.59
Shareholders' Equity	7,631	7,175	5,400	3,662	2,706	2,683
Total Liabilities & Equity	56,107	47,329	46,002	33,663	25,908	17,926
Total Debt	366.38	557.2	503.38	210.69	75.13	82.74
Net Cash (Debt)	22,928	15,984	20,671	8,691	4,659	3,270
Net Cash Growth	16.68%	-22.67%	137.85%	86.52%	42.48%	-0.92%
Net Cash Per Share	-	49.56	64.08	26.94	14.44	10.14
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	-	22.24	16.74	11.35	8.39	8.32
Tangible Book Value	7,627	7,171	5,393	3,655	2,684	2,642
Tangible Book Value Per Share	-	22.23	16.72	11.33	8.32	8.19