Trust Bank Limited (GHSE:TBL)

Trust Bank Balance Sheet

Financials in millions GMD. 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	3,092	542.82	2,001	2,817	3,564	2,946
Investment Securities	4,486	4,300	2,659	2,143	3,127	87.36
Trading Asset Securities	-	-	-	-	-	3,095
Total Investments	4,486	4,300	2,659	2,143	3,127	3,182
Gross Loans	4,502	5,176	4,401	4,618	2,340	1,751
Allowance for Loan Losses	-79.06	-129.93	-70.01	-80.89	-42.86	-25.53
Net Loans	4,423	5,046	4,331	4,537	2,297	1,726
Property, Plant & Equipment	1,069	1,028	962.32	824.68	799.69	629.44
Other Intangible Assets	31.69	41.23	54.24	46.44	62.17	58.3
Other Receivables	8.99	-	-	2.08	122.55	198.41
Restricted Cash	1,412	1,673	1,364	-	-	-
Other Current Assets	-	83.59	87.86	38.45	29.95	26.64
Long-Term Deferred Tax Assets	26.37	26.37	10.65	11.55	16.87	3.24
Other Long-Term Assets	243.84	80.57	67.26	66.46	121.73	90.5
Total Assets	14,792	12,822	11,538	10,487	10,141	8,860
Accounts Payable	-	26.47	44.99	31.75	32.75	55.89
Accrued Expenses	-	55.88	37.65	33.88	19.79	11.95
Interest Bearing Deposits	8,018	7,614	6,747	6,467	6,160	5,323
Non-Interest Bearing Deposits	4,802	3,093	3,306	2,713	2,714	2,456
Total Deposits	12,820	10,707	10,053	9,180	8,874	7,779
Short-Term Borrowings	-	384.02	-	-	-	-
Current Income Taxes Payable	-	33.73	18.88	5.56	4.27	13.08
Other Current Liabilities	-	7.83	6.93	9.04	15.44	5.9
Long-Term Debt	-	-	-	-	47.06	141.19
Long-Term Leases	4.93	4.93	3.82	3.44	3.1	2.79
Pension & Post-Retirement Benefits	3.16	3.16	2.62	1.25	-	1.39
Other Long-Term Liabilities	173.07	20.82	16.53	29.51	52.68	22.27
Total Liabilities	13,002	11,244	10,184	9,295	9,049	8,033
Common Stock	400	400	200	200	200	200
Retained Earnings	892.75	678.51	688.12	547.8	449.5	406.04
Comprehensive Income & Other	498.15	499.83	465.77	444.66	442.01	210.95
Total Common Equity	1,791	1,578	1,354	1,192	1,092	817
Minority Interest	-	-	-	-	-	9.73
Shareholders' Equity	1,791	1,578	1,354	1,192	1,092	826.73
Total Liabilities & Equity	14,792	12,822	11,538	10,487	10,141	8,860
Total Debt	4.93	388.95	3.82	3.44	50.16	143.98
Net Cash (Debt)	3,087	153.87	1,997	2,814	3,514	5,896
Net Cash Growth	-	-92.30%	-29.02%	-19.93%	-40.40%	23.77%
Net Cash Per Share	15.24	0.77	9.99	14.07	17.57	29.48
Filing Date Shares Outstanding	400	400	200	200	200	200
Total Common Shares Outstanding	400	400	200	200	200	200
Book Value Per Share	4.48	3.95	6.77	5.96	5.46	4.08
Tangible Book Value	1,759	1,537	1,300	1,146	1,029	758.69
Tangible Book Value Per Share	4.40	3.84	6.50	5.73	5.15	3.79

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