CalBank Banking Sector Overview & Competitor Benchmarking

CalBank | Deposits and funding mix Strong underlying deposit growth; increase of GHS 800mn in Q1-2023 over year end 2022 Total Deposits (GHS Mn) Total Deposits Deposit growth 8,000 50.0% 7,000 42.5% CAGR: 20.92% 6,000 GHS million 5,000 26.1% 4,000 22.5% 3,000 2,000 1,000 Source: Company filings 3,150.1 3,859.0 4,426.0 40.0% Funding Mix (GHS Mn) Total Deposits 1,286.6 Borrowing 581.7 531.2 1,670.1 2,214.3 1,611.0 1,132.8 974.8 2,098.2 30.0% 779.4 2,028.1 1,319.9 20.0% 7,503.8 6,734.7 14.7% 6,308.4 11.4% 6,308.4 6,734.7m 6.8% 4,426.0 10.0% 3,859.0 3,150.1 7,503.8 0.0% FY18 FY19 FY20 FY21 FY22 Q123 FY18 FY19 FY20 FY21 FY22 Q123 CalBank 38

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