Investor Presentaiton
CAL Bank HY 2014 - Group Balance Sheet
Key Items (GHS '000)
HY 2014
HY 2013
Change
Loans and Advances
1,148,211
873,549
31.4%
■
Investments
476,232
192,349
147.6%
Other Assets
26,941
14,873
81.1%
Fixed Assets
54,859
38,061
44.1%
Total Assets
2,100,922
1,282,760
63.8%
Customer Deposits
879,499
742,526
18.4%
Borrowings
803,806
206,519
289.2%
Accruals and Other Liabilities
52,206
73,847
(28.9)%
Shareholders' Funds
319,785
230,962
38.5%
Total Liabilities and Shareholders'
Fund
2,100,922
1,282,760
63.8%
Key Items
Net Interest Margin
Non Performing Loans
HY 2014
HY 2013
Change
10.7%
14.3%
(25.3)%
86,575
55,166
56.9%
Half-Year 2014 Investor Presentation - August, 2014
CAL Bank
Bank on our Service
Key Highlights
Total Assets grew by 63.8% y/y largely
supported by a 147.6% growth in
Investments and a 31.4% growth in Loans
& Advances, mainly to the corporate
sector.
Increase in total assets of 63.8% also
attributable to a 147.6% increase in
investments in short-term government
instruments.
Fixed Assets growth of 44.1% mainly
from purchase of capital assets in
relation to the branch expansion program
and revaluation.
Customer deposits increased by 18.4% y/y
primarily from increased wholesale
deposits and increase in branch network
■ Borrowings increased 289.2% y/y
through securing additional facilities to
support asset growth and increased
volume of trade/financing activities for
on-lending.
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