CalBank Banking Sector Overview & Competitor Benchmarking
CalBank | Summarized Group balance sheet
Amount in GHS 000'S
Q1 2023
Q1 2022
YOY%
FY2022
FY2021
YoY %
Cash and Cash Equivalents
1,639,644
1,575,645
4.1%
2,008,870 1,307,701
53.6%
Q1-2023 Highlights
Group's balance sheet grew to GHS
10.25 billion in Q1 2023 from GHS 9.25
billion at the end of FY 2022.
Investment Securities
3,685,715
4,777,133
(22.8%)
2,699,301 4,974,002 (45.7%)
•
Loans and Advances to
Customers
3,573,698
2,706,441
32.0%
2,239,520
42.5%
3,190,359
Non-pledged Trading Assets
43,938
847,023
(94.8%)
47,001 672,509 (93.0%)
•
Other Assets
691,394
399,541
73.0%
599,975 433,217 38.5%
616,286
Fixed Assets
416,419
48.0%
Investment Securities decreased by
22.8% on the back the impairment
provisions following the domestic debt
exchange programme.
Loans & Advances increased by 32.0%
to GHS3.6 billion from GHS2.7 billion as
we took advantage of business growth
opportunities in the market.
705,048 413,030
70.7%
Total Assets
10,250,675
10,722,202 (4.4%)
9,250,554 10,039,979 (7.9%)
Total Deposits
7,503,815
5,964,989
25.8%
6,734,696 6,308,385
6.8%
1,670,060
Borrowings
3,124,363 (46.5%)
Other Liabilities
495,061
283,453
74.7%
1,610,950 2,214,267 (27.2%)
373,683 230,645 62.0%
•
Total Deposits of GHS 7.5 billion in Q1
2023 represents an GHS 800 million
increase over the year-end 2022
deposits of GHS 6.7 billion. Our
continuing digitalization agenda around
payment platforms has resulted in a
20% growth in low-cost current and
savings accounts deposits.
Shareholders' Equity
581,739
1,317,920
(56.9%)
531,225 1,286,682 (58.7%)
Total Liabilities and
Shareholders' Equity
9,250,554 10,039,979 (7.9%)
10,250,675
10,722,202
(4.4%)
.
Borrowings decreased by 46.5% as a
result of repayment of matured
borrowings from our counter-parties
during the review period.
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