Stanbic IBTC Holdings Balance Sheet

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

Millions NGN. 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	2,169,424	1,580,126	445,133	189,245	232,328
Investment Securities	2,004,091	1,652,534	487,247	610,914	646,609
Trading Asset Securities	421,754	148,383	567,047	203,670	129,957
Total Investments	2,425,845	1,800,917	1,054,294	814,584	776,566
Gross Loans	2,460,336	2,470,693	2,091,138	1,238,195	946,259
Allowance for Loan Losses	-84,201	-122,315	-58,787	-33,409	-25,215
Net Loans	2,376,135	2,348,378	2,032,351	1,204,786	921,044
Property, Plant & Equipment	130,525	98,563	81,071	65,157	46,114
Other Intangible Assets	2,937	1,721	2,471	3,223	4,011
Accrued Interest Receivable	8,326	3,016	1,335	779	659
Other Receivables	120,171	124,770	157,477	105,730	103,393
Restricted Cash	1,061,270	717,040	948,414	478,609	436,838
Other Current Assets	38,944	105,535	95,960	72,437	110,763
Long-Term Deferred Tax Assets	6,435	-	1,194	2,058	3,541
Other Real Estate Owned & Foreclosed	261	123	325	-	-
Other Long-Term Assets	279,983	131,579	323,116	81,434	97,050
Total Assets	8,620,256	6,912,092	5,145,596	3,029,026	2,742,764
Accounts Payable	12,131	5,032	4,681	4,145	40,980
Accrued Expenses	63,378	42,970	26,828	79,765	13,525
Interest Bearing Deposits	5,111,332	4,140,629	2,950,974	1,898,454	1,602,682
Total Deposits	5,111,332	4,140,629	2,950,974	1,898,454	1,602,682
Short-Term Borrowings	69,753	61,850	451,956	47,959	25,364
Current Portion of Long-Term Debt	-	283,932	249,070	123,984	84,432
Current Portion of Leases	-	4,506	1,508	-	319
Current Income Taxes Payable	176,686	64,982	23,388	17,564	16,441
Other Current Liabilities	919,627	1,201,589	585,514	246,482	403,686
Long-Term Debt	831,110	246,354	196,237	113,991	99,421
Long-Term Leases	4,941	-	-	705	154
Long-Term Unearned Revenue	25,393	63,053	4,762	3,577	17,480
Long-Term Deferred Tax Liabilities	3,015	12,824	1,193	-	-
Other Long-Term Liabilities	278,987	113,723	142,561	84,830	61,414
Total Liabilities	7,496,353	6,241,444	4,638,672	2,621,456	2,365,898
Common Stock	7,951	6,479	6,479	6,479	6,479
Additional Paid-In Capital	247,055	102,780	102,780	102,780	102,780
Retained Earnings	842,209	544,304	379,453	287,220	254,471
Comprehensive Income & Other	16,269	8,327	10,864	3,083	4,286
Total Common Equity	1,113,484	661,890	499,576	399,562	368,016
Minority Interest	10,419	8,758	7,348	8,008	8,850
Shareholders' Equity	1,123,903	670,648	506,924	407,570	376,866
Total Liabilities & Equity	8,620,256	6,912,092	5,145,596	3,029,026	2,742,764
Total Debt	905,804	596,642	898,771	286,639	209,690
Net Cash (Debt)	2,203,894	1,699,145	164,999	135,171	162,593
Net Cash Growth	29.71%	929.79%	22.07%	-16.86%	-33.15%
Net Cash Per Share	138.59	131.14	12.73	10.43	12.55
Filing Date Shares Outstanding	15,902	12,957	12,957	12,957	12,957
Total Common Shares Outstanding	15,902	12,957	12,957	12,957	12,957
Book Value Per Share	70.02	51.08	38.56	30.84	28.40
Tangible Book Value	1,110,547	660,169	497,105	396,339	364,005
Tangible Book Value Per Share	69.84	50.95	38.37	30.59	28.09

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