Scotia Group Jamaica Limited (JMSE: SGJ)

Scotia Group Jamaica Balance Sheet

Financials in millions JMD. Fiscal year is November - October.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 31, 2024	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021	Oct 31, 2020
Cash & Equivalents	59,086	59,086	127,072	105,088	127,904	104,015
Investment Securities	184,473	184,473	157,646	149,344	140,600	116,706
Trading Asset Securities	954.84	954.84	2,842	3,035	3,703	3,685
Total Investments	185,428	185,428	160,487	152,379	144,303	120,391
Gross Loans	312,755	312,755	276,062	241,708	213,205	226,259
Allowance for Loan Losses	-	-	-5,626	-5,898	-6,237	-7,976
Other Adjustments to Gross Loans	-	-	-2,855	-2,386	-	-
Net Loans	312,755	312,755	267,581	233,423	206,968	218,282
Property, Plant & Equipment	9,798	9,798	9,528	9,312	8,852	8,558
Goodwill	-	-	75.17	75.17	75.17	75.17
Other Intangible Assets	509.71	509.71	455.5	476.87	495.25	592.93
Investments in Real Estate	-	-	0.94	1.02	-	-
Accrued Interest Receivable	1,289	1,289	2,689	2,478	2,580	3,237
Other Receivables	60,070	60,070	3,533	2,899	3,964	3,102
Restricted Cash	45,004	45,004	42,530	35,204	34,322	32,018
Other Current Assets	-	-	9,012	8,477	9,131	8,562
Long-Term Deferred Tax Assets	1,511	1,511	1,890	2,409	441.44	149.74
Other Long-Term Assets	29,566	29,566	37,842	40,525	45,237	43,131
Total Assets	705,017	705,017	664,737	594,416	585,583	543,240
Accrued Expenses	-	-	5,720	5,533	5,370	6,373
Interest Bearing Deposits	479,140	479,140	449,330	398,721	380,096	340,467
Total Deposits	479,140	479,140	449,330	398,721	380,096	340,467
Current Portion of Long-Term Debt	-	-	-	-	308.57	-
Current Portion of Leases	-	-	153.14	148.26	136.45	154.62
Current Income Taxes Payable	-	-	2,400	2,137	445.46	710.83
Accrued Interest Payable	-	-	33.01	16.55	26.58	38.87
Other Current Liabilities	8,237	8,237	14,192	19,223	67,829	67,532
Long-Term Debt	-	-	-	-	-	868.18
Long-Term Leases	-	-	1,116	1,137	1,074	1,117
Pension & Post-Retirement Benefits	4,024	4,024	7,027	6,624	7,548	6,719
Long-Term Deferred Tax Liabilities	4,735	4,735	6,839	3,502	7,509	7,037
Other Long-Term Liabilities	70,411	70,411	51,380	51,012	1,245	1,467
Total Liabilities	566,547	566,547	538,189	488,053	471,588	432,484
Common Stock	6,570	6,570	6,570	6,570	6,570	6,570
Retained Earnings	131,149	131,149	122,954	106,008	107,640	103,080
Comprehensive Income & Other	750.47	750.47	-2,976	-6,215	-214.87	1,106
Total Common Equity	138,470	138,470	126,548	106,363	113,995	110,756
Shareholders' Equity	138,470	138,470	126,548	106,363	113,995	110,756
Total Liabilities & Equity	705,017	705,017	664,737	594,416	585,583	543,240
Total Debt	-	-	1,269	1,285	1,519	2,140
Net Cash (Debt)	60,040	60,040	128,975	107,590	130,089	106,661
Net Cash Growth	-53.45%	-53.45%	19.88%	-17.29%	21.96%	11.71%
Net Cash Per Share	19.30	19.30	41.45	34.58	41.81	34.28
Filing Date Shares Outstanding	3,112	3,112	3,112	3,112	3,112	3,112
Total Common Shares Outstanding	3,112	3,112	3,112	3,112	3,112	3,112
Book Value Per Share	44.50	44.50	40.67	34.18	36.64	35.59
Tangible Book Value	137,960	137,960	126,017	105,811	113,425	110,088
Tangible Book Value Per Share	44.34	44.34	40.50	34.01	36.45	35.38

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