Scotia Group Jamaica Balance Sheet

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

Millions JMD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Cash & Equivalents	91,602	83,117	63,845	127,072	105,088	127,904
Investment Securities	167,577	167,829	182,725	157,646	149,344	140,600
Trading Asset Securities	2,183	973.36	954.84	2,842	3,035	3,703
Total Investments	169,760	168,803	183,680	160,487	152,379	144,303
Gross Loans	359,313	358,369	321,052	276,062	241,708	213,205
Allowance for Loan Losses	-6,100	-5,940	-6,564	-5,626	-5,898	-6,237
Other Adjustments to Gross Loans	-	-3,701	-3,410	-2,855	-2,386	-
Net Loans	353,213	348,729	311,077	267,581	233,423	206,968
Property, Plant & Equipment	10,963	10,713	9,798	9,528	9,312	8,852
Goodwill	-	75.17	75.17	75.17	75.17	75.17
Other Intangible Assets	478.47	413.59	434.54	455.5	476.87	495.25
Investments in Real Estate	-	0.79	0.87	0.94	1.02	-
Accrued Interest Receivable	3,287	3,781	3,425	2,689	2,478	2,580
Other Receivables	78,640	8,345	4,914	3,533	2,899	3,964
Restricted Cash	51,332	49,324	45,004	42,530	35,204	34,322
Other Current Assets	-	69,328	51,903	9,012	8,477	9,131
Long-Term Deferred Tax Assets	1,022	1,167	1,511	1,890	2,409	441.44
Other Long-Term Assets	58,559	26,175	26,527	37,842	40,525	45,237
Total Assets	818,855	773,776	705,017	664,737	594,416	585,583
Accrued Expenses	-	7,537	7,224	5,720	5,533	5,370
Interest Bearing Deposits	550,397	532,823	479,082	449,330	398,721	380,096
Total Deposits	550,397	532,823	479,082	449,330	398,721	380,096
Current Portion of Long-Term Debt	-	-	-	-	-	308.57
Current Portion of Leases	-	152.83	157.43	153.14	148.26	136.45
Current Income Taxes Payable	-	1,865	3,670	2,400	2,137	445.46
Accrued Interest Payable	-	66.57	58.08	33.01	16.55	26.58
Other Current Liabilities	10,339	13,860	11,707	14,192	19,223	67,829
Long-Term Leases	-	1,515	1,083	1,116	1,137	1,074
Pension & Post-Retirement Benefits	4,300	6,710	6,406	7,027	6,624	7,548
Long-Term Deferred Tax Liabilities	11,514	3,926	4,735	6,839	3,502	7,509
Other Long-Term Liabilities	73,800	54,807	52,424	51,380	51,012	1,245
Total Liabilities	650,350	623,263	566,547	538,189	488,053	471,588
Common Stock	6,570	6,570	6,570	6,570	6,570	6,570
Retained Earnings	160,960	142,977	131,149	122,954	106,008	107,640
Comprehensive Income & Other	976.31	966.39	750.47	-2,976	-6,215	-214.87
Total Common Equity	168,506	150,513	138,470	126,548	106,363	113,995
Shareholders' Equity	168,506	150,513	138,470	126,548	106,363	113,995
Total Liabilities & Equity	818,855	773,776	705,017	664,737	594,416	585,583
Total Debt	-	1,668	1,240	1,269	1,285	1,519
Net Cash (Debt)	93,785	82,422	63,560	128,975	107,590	130,089
Net Cash Growth	42.14%	29.68%	-50.72%	19.88%	-17.29%	21.96%
Net Cash Per Share	30.12	26.49	20.43	41.45	34.58	41.81
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	54.15	48.37	44.50	40.67	34.18	36.64
Tangible Book Value	168,027	150,024	137,960	126,017	105,811	113,425
Tangible Book Value Per Share	54.00	48.21	44.34	40.50	34.01	36.45

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