CalBank Banking Sector Overview & Competitor Benchmarking

Banking sector | Credit analysis Cash and bank balances replaced net advances as the second largest component of total assets, with an increased share to 27.7% from 20.0% during the review period, partly due to increases in the Cash Reserve Ratio Investment portfolio continue to dominate the asset mix as a result of higher interest rates on these instruments compared to rates on money market instruments¹ 7.4% 7.3% 7.7% 7.5% 8.9% 1.1% 0.9% 0.8% 0.3% 0.3% 30.2% 31.0% 28.0% 26.2% 27.6% 66.5% 68.2% 70.9% 75.3% 76.4% 36.6% 35.8% 38.0% 43.1% 46.2% 32.4% 30.9% 28.3% 26.0% 27.7% 24.4% 23.3% 24.0% 21.2% 20.0% FY18 FY19 Cash and Due from Banks ■Net Advances FY18 FY20 FY21 FY22 ■Investments Other Assets* Source: Bank of Ghana Monetary Policy Report, * Other Assets include Other Assets and Fixed Assets ■Bills FY19 FY20 Securities FY21 FY22 ■Shares & Other Equities 14 CalBank

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