GHSE:SCB Balance Sheet

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	6,106	4,344	3,978	3,762	3,203
Investment Securities	4,051	6,214	6,695	3,473	3,762
Trading Asset Securities	422.66	124.04	26.83	74.25	372.11
Total Investments	4,473	6,338	6,722	3,547	4,134
Gross Loans	1,887	2,870	2,280	2,517	2,278
Allowance for Loan Losses	-	-563.89	-313.78	-466.22	-150.38
Net Loans	1,887	2,306	1,966	2,050	2,128
Property, Plant & Equipment	165.72	156.8	202.26	231.27	242.07
Accrued Interest Receivable	-	-	-	112.99	-
Other Receivables	3,257	488.43	356.08	164.71	31.65
Restricted Cash	-	249.91	338.39	218.64	-
Other Current Assets	-	351.76	191.28	91.94	-
Long-Term Deferred Tax Assets	202.13	33.1	83.33	188.53	-
Other Long-Term Assets	413.9	35.48	0.28	1.41	381.21
Total Assets	16,506	14,303	13,838	10,369	10,121
Accrued Expenses	-	60.6	65.42	-	-
Interest Bearing Deposits	12,652	3,476	2,655	2,128	7,634
Non-Interest Bearing Deposits	-	7,957	8,366	6,171	-
Total Deposits	12,652	11,433	11,022	8,298	7,634
Short-Term Borrowings	2.05	14.57	247.91	70.34	9.25
Current Portion of Long-Term Debt	-	-	-	-	240.24
Current Portion of Leases	-	20.44	24.84	23.44	-
Accrued Interest Payable	-	4.18	7.55	21.82	-
Other Current Liabilities	699.74	315.13	287.28	253.8	-
Long-Term Leases	322.4	403.17	341.24	261.05	227.43
Long-Term Deferred Tax Liabilities	-	-	-	-	11.62
Other Long-Term Liabilities	-	-	-	110.92	354.6
Total Liabilities	13,676	12,251	11,996	9,040	8,477
Common Stock	400	400	400	400	400
Retained Earnings	2,391	1,814	1,498	718.46	1,266
Comprehensive Income & Other	38.93	-161.42	-56.21	210.75	-22.45
Total Common Equity	2,830	2,053	1,842	1,329	1,643
Shareholders' Equity	2,830	2,053	1,842	1,329	1,643
Total Liabilities & Equity	16,506	14,303	13,838	10,369	10,121
Total Debt	324.45	438.18	613.98	354.84	476.92
Net Cash (Debt)	6,204	8,641	5,936	4,390	3,098
Net Cash Growth	-28.20%	45.58%	35.20%	41.70%	1.58%
Net Cash Per Share	46.06	64.13	44.05	32.56	22.99
Filing Date Shares Outstanding	134.13	134.76	134.76	134.76	133.2
Total Common Shares Outstanding	134.13	134.76	134.76	134.76	133.2
Book Value Per Share	21.10	15.23	13.67	9.86	12.34
Tangible Book Value	2,830	2,053	1,842	1,329	1,643
Tangible Book Value Per Share	21.10	15.23	13.67	9.86	12.34

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.