GCB Bank Plc (GHSE:GCB)

GCB Bank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	12,947	7,699	2,388	2,109	1,194	621.45
Investment Securities	18,473	14,877	12,510	9,039	10,076	8,934
Trading Asset Securities	1,303	713.79	319.07	275.99	477.66	221.34
Total Investments	19,776	15,591	12,829	9,315	10,553	9,155
Gross Loans	10,456	11,935	7,932	6,716	5,204	4,268
Allowance for Loan Losses	-	-1,705	-1,240	-1,084	-810.08	-597.97
Other Adjustments to Gross Loans	-	-	-	-150.09	-87.26	-57.91
Net Loans	10,456	10,230	6,693	5,482	4,306	3,613
Property, Plant & Equipment	574.69	532.59	402.2	429.65	301.33	280.65
Other Intangible Assets	173.09	178.49	76.04	123.75	168.23	191.14
Other Receivables	-	819.1	528.94	786.16	427.68	374.29
Restricted Cash	-	6,745	3,265	2,367	1,107	945.79
Other Current Assets	-	105.79	109.34	122.8	108.88	114.22
Long-Term Deferred Tax Assets	880.74	895.86	863.83	758.12	238.17	158.47
Other Long-Term Assets	1,081	-	-	-	-	-
Total Assets	45,888	42,796	27,156	21,494	18,405	15,454
Accrued Expenses	-	308.76	258.74	195.12	89.94	58.31
Interest Bearing Deposits	34,583	34,529	21,781	17,775	13,902	11,961
Total Deposits	34,583	34,529	21,781	17,775	13,902	11,961
Current Portion of Long-Term Debt	-	2,742	1,056	814.17	799.07	583.53
Current Income Taxes Payable	205.17	47.92	97.32	-	56.25	-
Other Current Liabilities	-	218.51	253.73	104.41	556.62	363.08
Long-Term Debt	4,647	-	27.71	189	189	189
Pension & Post-Retirement Benefits	199.31	159.12	184.47	127.21	110.78	110.6
Other Long-Term Liabilities	1,047	448.34	416.42	290.59	2.69	2.72
Total Liabilities	40,682	38,454	24,076	19,496	15,706	13,268
Common Stock	500	500	500	500	500	500
Retained Earnings	4,495	3,598	2,369	1,461	2,187	1,681
Comprehensive Income & Other	211.66	244.56	210.96	37.38	11.08	4.64
Shareholders' Equity	5,206	4,342	3,080	1,999	2,698	2,186
Total Liabilities & Equity	45,888	42,796	27,156	21,494	18,405	15,454
Total Debt	4,647	2,742	1,083	1,003	988.07	772.53
Net Cash (Debt)	10,292	6,779	2,007	1,611	884.61	271.17
Net Cash Growth	12.61%	237.84%	24.52%	82.16%	226.23%	-47.86%
Net Cash Per Share	-	25.58	7.57	6.08	3.34	1.02
Filing Date Shares Outstanding	-	265	265	265	265	265
Total Common Shares Outstanding	-	265	265	265	265	265
Book Value Per Share	-	16.39	11.62	7.54	10.18	8.25
Tangible Book Value	5,033	4,164	3,004	1,875	2,530	1,995
Tangible Book Value Per Share	-	15.71	11.34	7.08	9.55	7.53

Updated Mar 5, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.