GCB Bank Plc (GHSE: GCB)

GCB Bank Balance Sheet

Financials in millions GHS. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	14,282	2,388	2,109	1,194	621.45	625.04
Investment Securities	12,262	12,510	9,039	10,076	8,934	6,351
Trading Asset Securities	258.89	319.07	275.99	477.66	221.34	143.03
Total Investments	12,521	12,829	9,315	10,553	9,155	6,494
Gross Loans	10,216	8,199	6,716	5,204	4,268	4,039
Allowance for Loan Losses	-	-1,240	-1,084	-810.08	-597.97	-374.01
Other Adjustments to Gross Loans	-	-266.93	-150.09	-87.26	-57.91	-77.53
Net Loans	10,216	6,693	5,482	4,306	3,613	3,588
Property, Plant & Equipment	418.23	402.2	429.65	301.33	280.65	272.34
Other Intangible Assets	199.93	76.04	123.75	168.23	191.14	201.82
Other Receivables	-	528.94	786.16	427.68	374.29	265.79
Restricted Cash	-	3,265	2,367	1,107	945.79	947.5
Other Current Assets	-	109.34	122.8	108.88	114.22	34.77
Long-Term Deferred Tax Assets	934.32	863.83	758.12	238.17	158.47	95.32
Other Long-Term Assets	1,323	-	-	-	-	-
Total Assets	39,895	27,156	21,494	18,405	15,454	12,524
Accrued Expenses	-	258.74	195.12	89.94	58.31	27.9
Interest Bearing Deposits	31,406	21,781	17,775	13,902	11,961	9,823
Total Deposits	31,406	21,781	17,775	13,902	11,961	9,823
Current Portion of Long-Term Debt	-	1,056	814.17	799.07	583.53	268.58
Current Income Taxes Payable	14.41	97.32	-	56.25	-	9.02
Other Current Liabilities	-	253.73	104.41	556.62	363.08	307.77
Long-Term Debt	2,942	27.71	189	189	189	189
Pension & Post-Retirement Benefits	239.12	184.47	127.21	110.78	110.6	116.23
Other Long-Term Liabilities	1,616	416.42	290.59	2.69	2.72	2.43
Total Liabilities	36,218	24,076	19,496	15,706	13,268	10,744
Common Stock	500	500	500	500	500	500
Retained Earnings	2,939	2,369	1,461	2,187	1,681	1,289
Comprehensive Income & Other	238.58	210.96	37.38	11.08	4.64	-8.61
Shareholders' Equity	3,677	3,080	1,999	2,698	2,186	1,780
Total Liabilities & Equity	39,895	27,156	21,494	18,405	15,454	12,524
Total Debt	2,942	1,083	1,003	988.07	772.53	457.58
Net Cash (Debt)	12,264	2,007	1,611	884.61	271.17	520.1
Net Cash Growth	215.24%	24.53%	82.16%	226.23%	-47.86%	-52.89%
Net Cash Per Share	-	7.57	6.08	3.34	1.02	1.96
Filing Date Shares Outstanding	-	265	265	265	265	265
Total Common Shares Outstanding	-	265	265	265	265	265
Book Value Per Share	-	11.62	7.54	10.18	8.25	6.72
Tangible Book Value	3,477	3,004	1,875	2,530	1,995	1,579
Tangible Book Value Per Share	-	11.34	7.08	9.55	7.53	5.96

Source: S&P Capital IQ. Banks template. Financial Sources.