Scotia Group Jamaica Limited (JMSE: SGJ)

Scotia Group Jamaica Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jul 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021	Oct 31, 2020	Oct 31, 2019
Cash & Equivalents	114,022	127,072	105,088	127,904	104,015	93,612
Investment Securities	176,543	157,646	149,344	140,600	116,706	119,398
Trading Asset Securities	2,713	2,842	3,035	3,703	3,685	3,262
Total Investments	179,256	160,487	152,379	144,303	120,391	122,659
Gross Loans	297,936	276,062	241,708	213,205	226,259	208,678
Allowance for Loan Losses	-6,300	-5,626	-5,898	-6,237	-7,976	-4,150
Other Adjustments to Gross Loans	-	-2,855	-2,386	-	-	-
Net Loans	291,636	267,581	233,423	206,968	218,282	204,528
Property, Plant & Equipment	9,536	9,528	9,312	8,852	8,558	5,828
Goodwill	-	75.17	75.17	75.17	75.17	75.17
Other Intangible Assets	515.55	455.5	476.87	495.25	592.93	710.49
Investments in Real Estate	-	0.94	1.02	-	-	-
Accrued Interest Receivable	904.57	2,689	2,478	2,580	3,237	1,767
Other Receivables	17,566	3,533	2,899	3,964	3,102	3,456
Restricted Cash	43,903	42,530	35,204	34,322	32,018	34,746
Other Current Assets	-	9,012	8,477	9,131	8,562	22,951
Long-Term Deferred Tax Assets	1,591	1,890	2,409	441.44	149.74	117.52
Other Long-Term Assets	33,279	37,842	40,525	45,237	43,131	57,467
Total Assets	692,209	664,737	594,416	585,583	543,240	549,002
Accrued Expenses	-	5,720	5,533	5,370	6,373	3,672
Interest Bearing Deposits	474,945	449,330	398,721	380,096	340,467	320,383
Total Deposits	474,945	449,330	398,721	380,096	340,467	320,383
Current Portion of Long-Term Debt	-	-	-	308.57	-	598.11
Current Portion of Leases	-	153.14	148.26	136.45	154.62	-
Current Income Taxes Payable	-	2,400	2,137	445.46	710.83	1,293
Accrued Interest Payable	-	33.01	16.55	26.58	38.87	70.15
Other Current Liabilities	8,851	14,192	19,223	67,829	67,532	82,614
Long-Term Debt	-	-	-	-	868.18	1,394
Long-Term Leases	-	1,116	1,137	1,074	1,117	-
Pension & Post-Retirement Benefits	3,984	7,027	6,624	7,548	6,719	7,347
Long-Term Deferred Tax Liabilities	4,500	6,839	3,502	7,509	7,037	13,082
Other Long-Term Liabilities	67,965	51,380	51,012	1,245	1,467	434.37
Total Liabilities	560,245	538,189	488,053	471,588	432,484	430,888
Common Stock	6,570	6,570	6,570	6,570	6,570	6,570
Retained Earnings	126,076	122,954	106,008	107,640	103,080	108,307
Comprehensive Income & Other	-681.31	-2,976	-6,215	-214.87	1,106	3,237
Total Common Equity	131,964	126,548	106,363	113,995	110,756	118,114
Shareholders' Equity	131,964	126,548	106,363	113,995	110,756	118,114
Total Liabilities & Equity	692,209	664,737	594,416	585,583	543,240	549,002
Total Debt	-	1,269	1,285	1,519	2,140	1,992
Net Cash (Debt)	116,735	128,975	107,590	130,089	106,661	95,483
Net Cash Growth	-11.44%	19.88%	-17.29%	21.96%	11.71%	36.42%
Net Cash Per Share	37.51	41.45	34.58	41.81	34.28	30.69
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	42.41	40.67	34.18	36.64	35.59	37.96
Tangible Book Value	131,449	126,017	105,811	113,425	110,088	117,328
Tangible Book Value Per Share	42.24	40.50	34.01	36.45	35.38	37.71

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