GHSE:SCB 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	5,809	4,344	3,978	3,762	3,203	2,725
Investment Securities	5,473	6,214	6,695	3,473	3,762	2,420
Trading Asset Securities	559.46	124.04	26.83	74.25	372.11	411.93
Total Investments	6,032	6,338	6,722	3,547	4,134	2,831
Gross Loans	3,693	2,870	2,280	2,517	2,278	1,710
Allowance for Loan Losses	-	-563.89	-313.78	-466.22	-150.38	-
Net Loans	3,693	2,306	1,966	2,050	2,128	1,710
Property, Plant & Equipment	132.6	156.8	202.26	231.27	242.07	258.44
Accrued Interest Receivable	-	-	-	112.99	-	-
Other Receivables	415.97	488.43	356.08	164.71	31.65	60.86
Restricted Cash	-	249.91	338.39	218.64	-	-
Other Current Assets	-	351.76	191.28	91.94	-	-
Long-Term Deferred Tax Assets	25.06	33.1	83.33	188.53	-	-
Other Long-Term Assets	451.99	35.48	0.28	1.41	381.21	445.98
Total Assets	16,560	14,303	13,838	10,369	10,121	8,032
Accrued Expenses	-	60.6	65.42	-	-	-
Interest Bearing Deposits	12,863	3,476	2,655	2,128	7,634	5,837
Non-Interest Bearing Deposits	-	7,957	8,366	6,171	-	-
Total Deposits	12,863	11,433	11,022	8,298	7,634	5,837
Short-Term Borrowings	42.78	14.57	247.91	70.34	9.25	0.16
Current Portion of Long-Term Debt	-	-	-	-	240.24	86.4
Current Portion of Leases	-	20.44	24.84	23.44	-	-
Accrued Interest Payable	-	4.18	7.55	21.82	-	-
Other Current Liabilities	890.81	315.13	287.28	253.8	-	-
Long-Term Leases	344.21	403.17	341.24	261.05	227.43	-
Long-Term Deferred Tax Liabilities	-	-	-	-	11.62	9.98
Other Long-Term Liabilities	-0	-	-	110.92	354.6	631.72
Total Liabilities	14,140	12,251	11,996	9,040	8,477	6,565
Common Stock	400	400	400	400	400	400
Retained Earnings	2,095	1,814	1,498	718.46	1,266	1,063
Comprehensive Income & Other	-75.35	-161.42	-56.21	210.75	-22.45	3.66
Total Common Equity	2,420	2,053	1,842	1,329	1,643	1,467
Shareholders' Equity	2,420	2,053	1,842	1,329	1,643	1,467
Total Liabilities & Equity	16,560	14,303	13,838	10,369	10,121	8,032
Total Debt	386.99	438.18	613.98	354.84	476.92	86.56
Net Cash (Debt)	5,982	8,641	5,936	4,390	3,098	3,050
Net Cash Growth	9.61%	45.58%	35.20%	41.70%	1.58%	93.86%
Net Cash Per Share	44.39	64.13	44.05	32.56	22.99	22.57
Filing Date Shares Outstanding	134.88	134.76	134.76	134.76	133.2	134.76
Total Common Shares Outstanding	134.88	134.76	134.76	134.76	133.2	134.76
Book Value Per Share	17.94	15.23	13.67	9.86	12.34	10.88
Tangible Book Value	2,420	2,053	1,842	1,329	1,643	1,467
Tangible Book Value Per Share	17.94	15.23	13.67	9.86	12.34	10.88

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.