GCB Bank Plc (GHSE:GCB)

GCB Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	15,929	7,205	7,699	2,388	2,109	1,194
Investment Securities	20,179	17,070	14,877	12,510	9,039	10,076
Trading Asset Securities	3,542	2,501	713.79	319.07	275.99	477.66
Total Investments	23,721	19,571	15,591	12,829	9,315	10,553
Gross Loans	-	17,827	11,935	7,932	6,716	5,204
Allowance for Loan Losses	-	-1,789	-1,705	-1,240	-1,084	-810.08
Other Adjustments to Gross Loans	-	-	-	-	-150.09	-87.26
Net Loans	-	16,038	10,230	6,693	5,482	4,306
Property, Plant & Equipment	580.37	599.53	532.59	402.2	429.65	301.33
Other Intangible Assets	177.11	170.55	178.49	76.04	123.75	168.23
Other Receivables	35.27	852.85	819.1	528.94	786.16	427.68
Restricted Cash	-	7,246	6,745	3,265	2,367	1,107
Other Current Assets	-	87.82	105.79	109.34	122.8	108.88
Long-Term Deferred Tax Assets	675.08	862.62	895.86	863.83	758.12	238.17
Other Long-Term Assets	942.41	-	-	-	-	-
Total Assets	68,032	52,633	42,796	27,156	21,494	18,405

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	592.57	308.76	258.74	195.12	89.94
Interest Bearing Deposits	50,779	41,342	34,529	21,781	17,775	13,902
Total Deposits	50,779	41,342	34,529	21,781	17,775	13,902
Current Portion of Long-Term Debt	7,379	3,586	2,742	1,083	814.17	799.07
Current Income Taxes Payable	-	35.9	47.92	97.32	-	56.25
Other Current Liabilities	-	178.89	218.51	253.73	104.41	556.62
Long-Term Debt	-	-	-	-	189	189
Pension & Post-Retirement Benefits	365.71	247.99	159.12	184.47	127.21	110.78
Other Long-Term Liabilities	1,648	420.22	448.34	416.42	290.59	2.69
Total Liabilities	60,171	46,403	38,454	24,076	19,496	15,706

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	500	500	500	500	500	500
Retained Earnings	7,283	5,700	3,598	2,369	1,461	2,187
Comprehensive Income & Other	78.61	30.44	244.56	210.96	37.38	11.08
Shareholders' Equity	7,861	6,230	4,342	3,080	1,999	2,698
Total Liabilities & Equity	68,032	52,633	42,796	27,156	21,494	18,405

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	7,379	3,586	2,742	1,083	1,003	988.07
Net Cash (Debt)	12,092	6,470	6,779	2,007	1,611	884.61
Net Cash Growth	36.22%	-4.56%	237.84%	24.52%	82.16%	226.23%
Net Cash Per Share	45.64	24.42	25.58	7.57	6.08	3.34
Filing Date Shares Outstanding	375.09	265	265	265	265	265
Total Common Shares Outstanding	375.09	265	265	265	265	265
Book Value Per Share	20.96	23.51	16.39	11.62	7.54	10.18
Tangible Book Value	7,684	6,060	4,164	3,004	1,875	2,530
Tangible Book Value Per Share	20.49	22.87	15.71	11.34	7.08	9.55

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 28, 2026

Data Sources Report a data error