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	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	15,285	14,896	20,742	8,693	3,618	1,588
Investment Securities	18,240	15,243	5,926	9,821	6,343	5,884
Trading Asset Securities	2,392	1,645	431.61	208.7	1,117	1,765
Total Investments	20,632	16,888	6,358	10,030	7,460	7,649
Gross Loans	13,217	13,148	12,401	10,599	9,456	6,225
Allowance for Loan Losses	-	-	-1,800	-1,082	-589.57	-531.27
Net Loans	13,217	13,148	10,601	9,518	8,866	5,694
Property, Plant & Equipment	1,392	1,394	1,356	1,333	1,304	626
Other Intangible Assets	2.89	3.63	6.62	6.14	20.7	41.21
Other Receivables	4.14	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	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	958.15	424.01	4,555	-	399.83	345.45
Total Assets	51,989	47,329	46,002	33,663	25,908	17,926
Accrued Expenses	-	-	798.5	307.67	332.34	171.2
Interest Bearing Deposits	42,107	36,277	15,274	9,063	8,226	4,540
Non-Interest Bearing Deposits	-	-	23,179	19,634	14,041	9,987
Total Deposits	42,107	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	11.67	-	-	32.92	-	-
Other Current Liabilities	-	-	169.27	168.27	16.43	9.46
Long-Term Debt	356.24	455.98	216.04	103.47	-	5.98
Long-Term Leases	59.39	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	1,815	3,319	467.79	486.36	441.7	395.19
Total Liabilities	44,349	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	6,374	5,935	4,222	2,522	1,889	2,105
Comprehensive Income & Other	848.57	822.99	760.64	722.66	399.09	161.35
Total Common Equity	7,639	7,175	5,399	3,661	2,705	2,683
Minority Interest	0.82	0.72	0.48	0.71	0.61	0.59
Shareholders' Equity	7,640	7,175	5,400	3,662	2,706	2,683
Total Liabilities & Equity	51,989	47,329	46,002	33,663	25,908	17,926
Total Debt	415.63	557.2	503.38	210.69	75.13	82.74
Net Cash (Debt)	17,261	15,984	20,671	8,691	4,659	3,270
Net Cash Growth	-17.10%	-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	-	322.6	322.55	322.55	322.55	322.55
Total Common Shares Outstanding	-	322.6	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	7,636	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

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