Republic Bank (Ghana) Balance Sheet

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	4,024	3,526	2,371	1,216	666.68	744.96
Investment Securities	272.19	1,557	1,032	986.07	1,220	1,016
Trading Asset Securities	-	65.26	60.57	62.87	63.11	3.18
Total Investments	272.19	1,622	1,092	1,049	1,283	1,019
Gross Loans	3,122	3,264	2,639	2,145	1,892	1,688
Allowance for Loan Losses	-	-210.33	-209.74	-186.56	-144.39	-163.02
Net Loans	3,122	3,054	2,430	1,958	1,748	1,525
Property, Plant & Equipment	310.93	307.99	293.07	223.22	140.56	122.19
Goodwill	-	2.77	2.77	2.77	3.74	3.93
Other Intangible Assets	10.18	7.41	6.44	3.53	5.57	3.02
Other Receivables	-	40.17	27.18	25.01	10.47	19.69
Restricted Cash	-	944.53	614.88	544.03	279.39	161.69
Other Current Assets	-	78.66	115.32	51.89	13.69	8.79
Long-Term Deferred Tax Assets	3.95	4.07	4.75	27.56	20.31	16.64
Other Long-Term Assets	2,089	5	5	6.64	81.79	44.81
Total Assets	9,832	9,593	6,962	5,108	4,253	3,670
Accounts Payable	-	623.79	149.9	84.37	75.24	48.63
Interest Bearing Deposits	6,001	2,889	3,560	2,189	1,749	1,736
Non-Interest Bearing Deposits	-	3,168	2,282	1,879	1,441	1,019
Total Deposits	6,001	6,056	5,842	4,069	3,189	2,755
Current Portion of Long-Term Debt	-	1,394	5.75	50.92	81.39	-
Current Portion of Leases	-	4.65	3.53	5.01	2.89	-
Current Income Taxes Payable	42.5	2.46	3.87	-	0.5	-
Other Current Liabilities	-	9.23	5.91	32.14	2.19	3.14
Long-Term Debt	1,790	420.36	76	118.88	136.06	197.19
Long-Term Leases	-	6.33	10.12	14.32	18.14	15.7
Long-Term Deferred Tax Liabilities	-	0.23	0.05	25.4	10.12	-
Other Long-Term Liabilities	740.39	20.35	18.18	5.1	11.15	13.41
Total Liabilities	8,574	8,538	6,115	4,405	3,527	3,033
Common Stock	401.19	401.19	401.19	401.19	401.19	401.19
Retained Earnings	764.06	570.87	369	228.98	292.66	204.42
Comprehensive Income & Other	64.03	64.03	64.03	64.03	25.6	25.6
Total Common Equity	1,229	1,036	834.22	694.19	719.44	631.21
Minority Interest	28.8	19.61	12.79	8.64	6.65	5.01
Shareholders' Equity	1,258	1,056	847.01	702.83	726.09	636.21
Total Liabilities & Equity	9,832	9,593	6,962	5,108	4,253	3,670
Total Debt	1,790	1,825	95.4	189.13	238.48	212.89
Net Cash (Debt)	2,234	1,784	2,337	1,091	504.37	545.72
Net Cash Growth	6.25%	-23.64%	114.18%	116.30%	-7.58%	-29.62%
Net Cash Per Share	-	2.09	2.74	1.28	0.59	0.64
Filing Date Shares Outstanding	-	851.97	851.97	851.97	851.97	851.97
Total Common Shares Outstanding	-	851.97	851.97	851.97	851.97	851.97
Book Value Per Share	-	1.22	0.98	0.81	0.84	0.74
Tangible Book Value	1,219	1,026	825.01	687.88	710.13	624.25
Tangible Book Value Per Share	-	1.20	0.97	0.81	0.83	0.73

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