FCMB Group Plc (NGX:FCMB)

FCMB Group Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,559,264	795,387	579,168	247,486	362,700	221,079
Investment Securities	1,497,690	1,194,942	798,539	570,939	391,833	406,666
Trading Asset Securities	379,900	609,222	168,031	115,219	29,064	11,186
Total Investments	1,877,589	1,804,165	966,570	686,158	420,897	417,852
Gross Loans	2,427,028	2,485,859	1,930,119	1,247,795	1,114,562	872,071
Allowance for Loan Losses	-138,109	-127,769	-88,063	-51,113	-49,568	-46,511
Other Adjustments to Gross Loans	-	-786.56	-539.65	-1,056	-1,404	-2,788
Net Loans	2,288,919	2,357,303	1,841,516	1,195,627	1,063,589	822,773
Property, Plant & Equipment	63,211	55,994	54,133	50,968	47,085	46,202
Goodwill	19,291	19,291	19,291	19,291	11,339	11,339
Other Intangible Assets	20,340	17,051	11,974	10,347	5,817	4,983
Other Receivables	17,458	55,559	-	9,597	-2,332	14,010
Restricted Cash	-	-	-	161,964	86,085	-
Other Current Assets	104,041	98,640	82,883	42,496	88,164	157,378
Long-Term Deferred Tax Assets	8,188	8,191	8,004	8,424	9,164	7,945
Other Long-Term Assets	1,273,281	1,842,584	860,357	550,697	400,691	354,834
Total Assets	7,231,583	7,054,166	4,423,895	2,983,053	2,493,198	2,058,393
Accounts Payable	38,065	17,629	25,260	23,670	22,267	8,605
Accrued Expenses	26,670	30,698	22,804	8,600	4,361	5,500
Interest Bearing Deposits	2,395,291	3,703,484	2,197,418	1,354,480	1,044,102	802,227
Non-Interest Bearing Deposits	2,905,278	1,427,895	1,166,031	714,794	671,058	574,269
Total Deposits	5,300,569	5,131,379	3,363,449	2,069,274	1,715,161	1,376,496
Short-Term Borrowings	80.01	2,608	998.33	27,166	17,264	85,944
Current Portion of Long-Term Debt	93,182	211,787	106,738	105,024	21,715	69,065
Current Portion of Leases	-	909.26	404.08	611.25	-	-
Current Income Taxes Payable	14,250	38,228	11,296	7,180	5,449	4,503
Other Current Liabilities	182,097	342,507	186,726	153,453	165,218	89,470
Long-Term Debt	733,296	551,954	220,312	291,812	278,092	168,479
Long-Term Leases	2,891	2,064	1,381	1,814	2,616	2,510
Long-Term Unearned Revenue	3,141	1,465	1,215	2,537	649.73	648.12
Long-Term Deferred Tax Liabilities	5,081	4,742	2,355	391.9	308.73	316.09
Other Long-Term Liabilities	26,329	29,213	18,328	15,639	16,291	19,738
Total Liabilities	6,425,651	6,365,185	3,961,268	2,707,173	2,249,392	1,831,273
Common Stock	21,386	19,803	9,901	9,901	9,901	9,901
Additional Paid-In Capital	314,260	293,117	162,078	115,392	115,392	115,392
Retained Earnings	359,940	256,469	200,646	115,429	88,489	70,751
Comprehensive Income & Other	109,427	118,781	88,327	34,178	29,442	30,696
Total Common Equity	805,013	688,170	460,953	274,901	243,225	226,741
Minority Interest	918.5	810.63	1,674	978.42	581.06	379.56
Shareholders' Equity	805,932	688,981	462,627	275,880	243,806	227,120
Total Liabilities & Equity	7,231,583	7,054,166	4,423,895	2,983,053	2,493,198	2,058,393
Total Debt	829,449	769,323	329,834	426,427	319,688	325,998
Net Cash (Debt)	1,109,715	635,286	417,364	-63,723	72,077	-93,733
Net Cash Growth	62.60%	52.21%	-	-	-	-
Net Cash Per Share	25.23	23.74	20.53	-3.22	3.64	-4.73
Filing Date Shares Outstanding	42,800	39,605	19,803	19,803	19,803	19,803
Total Common Shares Outstanding	42,800	39,605	19,803	19,803	19,803	19,803
Book Value Per Share	18.81	17.38	23.28	13.88	12.28	11.45
Tangible Book Value	765,382	651,828	429,688	245,264	226,069	210,419
Tangible Book Value Per Share	17.88	16.46	21.70	12.39	11.42	10.63

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