GT Bank G

2018 Vertical FSA 2018[%]

NET INTEREST INCOME 160,909,598 (48.74)
NET NON-INTEREST INCOME 152,997,766 (51.26)
TOTAL OPERATING INCOME 313,907,364 0.00
TOTAL OPERATING EXPENSES 98,708,812 (68.55)
NET INCOME BEFORE TAX 215,198,552 (31.45)
TAX 64,609,621 (79.42)
NET INCOME AFTER TAX 150,588,931 (52.03)
CASH AND CASH EQUIVALENT 832,689,912 165.27
CASH ASSETS DUE -BANKS 106,280,678 (66.14)
CASH ASSETS DUE-GOVERNMENT 106,474,224 (66.08)
TOTAL LOANS 424,714,417 35.30
TOTAL ASSETS 2,283,761,988 627.53
COMMON EQUITY SHARES (units) (100.00)
STATED CAPITAL 404,895,476 28.99
TOTAL EQUITY 580,471,476 84.92
TOTAL LIABILITIES 1,703,290,512 442.61
TOTAL DEPOSITS 1,664,299,711 430.19
TIER 1 544,700,974 73.52
TIER 2 35,770,502 (88.60)
RISK WIEGHTED AVERAGE 1,032,491,067 228.92
PROVISION FOR LOANS & ADVANCES (100.00)
SPECIALISED INCOME & EXPENSE ITEMS 163,318,433 (47.97)
 FINANCIAL DATA OF TWO (2) FOREIGN BANKS IN
THE AMOUNTS ARE RECORDED IN THOUSAND
GT Bank Ghana Ltd
2019 Horizontal FSA 2019[%] Vertical FSA 2019[%] 2020
268,210,429 66.68 (45.16) 285,909,263
220,897,372 44.38 (54.84) 273,493,242
489,107,801 55.81 0.00 559,402,505
188,963,488 91.44 (61.37) 174,415,401
300,144,313 39.47 (38.63) 384,987,104
92,343,323 42.93 (81.12) 115,656,298
207,800,990 37.99 (57.51) 269,330,806
423,746,000 (49.11) (13.36) 598,072,669
61,982,092 (41.68) (87.33) 111,172,070
28,861,272 (72.89) (94.10) 183,630,296
569,536,071 34.10 16.44 1,057,579,838
3,253,180,850 42.45 565.13 4,081,089,298
NULL (100.00)
404,895,476 0.00 (17.22) 404,895,476
788,272,466 35.80 61.17 1,007,420,243
2,464,908,384 44.71 403.96 3,073,669,055
2,390,395,075 43.63 388.73 2,995,393,368
768,465,385 41.08 57.12 979,779,688
19,807,081 (44.63) (95.95) 27,640,555
1,610,807,340 56.01 229.34 2,234,315,932
NULL (100.00) 16,244,825
281,306,811 72.24 (42.49) 290,071,699
WO (2) FOREIGN BANKS IN GHANA FOR 2018-2020
ARE RECORDED IN THOUSANDS OF GHANA CEDIS
ZENITH
Horizontal FSA 2020[%] Vertical FSA 2020[%] 2018 Vertical FSA 2018[%] 2019
77.68 (48.89) 423,419 (29.87) 468,019
78.76 (51.11) 180,309 (70.13) 153,541
78.21 0.00 603,728 0.00 621,560
76.70 (68.82) 321,885 (46.68) 258,680
78.90 (31.18) 281,843 (53.32) 352,787
79.01 (79.33) 95,959 (84.11) 106,320
78.85 (51.85) 185,884 (69.21) 246,467
(28.18) 6.91 754,241 24.93 751,473
4.60 (80.13) 161,512 (73.25) 266,824
72.46 (67.17) 459,275 (23.93) 585,782
149.01 89.06 733,084 21.43 648,250
78.70 629.54 5,572,474 823.01 6,691,004
NULL (100.00) 4,000,000 562.55 4,000,000
0.00 (27.62) 4,000,000 562.55 400,000
73.55 80.09 872,201 44.47 1,118,668
80.45 449.46 4,700,273 678.54 5,572,336
79.98 435.46 3,434,249 468.84 4,493,305
79.87 75.15 832,933 37.96 1,081,409
(22.73) (95.06) - NULL -
116.40 299.41 1,727,044 186.06 2,229,255
NULL (97.10) 109,324 (81.89) 57,253
77.61 (48.15) 417,844 (30.79) 375,093
 ZENITH LTD
Horizontal FSA 2019[%] Vertical FSA 2019[%] 2020 Horizontal FSA 2020[%]
10.53 (24.70) 578,438 36.61
(14.85) (75.30) 153,748 (14.73)
2.95 0.00 732,186 21.28
(19.64) (58.38) 265,313 (17.58)
25.17 (43.24) 466,873 65.65
10.80 (82.89) 128,747 34.17
32.59 (60.35) 338,126 81.90
(0.37) 20.90 1,489,323 97.46
65.20 (57.07) 534,494 230.93
27.54 (5.76) 673,732 46.69
(11.57) 4.29 1,057,205 44.21
20.07 976.49 8,034,580 44.18
0.00 543.54 4,000,000 0.00
(90.00) (35.65) 400,000 (90.00)
28.26 79.98 1,456,794 67.03
18.55 796.51 6,577,786 39.94
30.84 622.91 5,730,627 66.87
29.83 73.98 1,398,208 67.87
NULL NULL NULL
29.08 258.65 1,803,364 4.42
(47.63) (90.79) 69,574 (36.36)
(10.23) (39.65) 394,060 (5.69)
Vertical FSA 2020[%]
(21.00)
(79.00)
0.00
(63.76)
(36.24)
(82.42)
(53.82)
103.41
(27.00)
(7.98)
44.39
997.34
446.31
(45.37)
98.97
798.38
682.67
90.96
(100.00)
146.30
(90.50)
(46.18)
 FIDELITY LTD
2018 Vertical FSA 2018[%] 2019
NET INTEREST INCOME 500,521 (27.51) 641,117
NET NON-INTEREST INCOME 189,925 (72.49) 261,807
TOTAL OPERATING INCOME 690,446 0.00 902,924
TOTAL OPERATING EXPENSES 448,356 (35.06) 581,132
NET INCOME BEFORE TAX 242,090 (64.94) 321,792
TAX 78,373 (88.65) 60,865
NET INCOME AFTER TAX 163,717 (76.29) 260,927
CASH AND CASH EQUIVALENT 1,757,719 154.58 3,316,432
CASH ASSETS DUE -BANKS 299,030 (56.69) 454,676
CASH ASSETS DUE-GOVERNMENT 596,619 (13.59) 390,573
TOTAL LOANS 1,419,472 105.59 2,454,186
TOTAL ASSETS 7,015,823 916.13 10,478,022
COMMON EQUITY SHARES (units) 25,250 (96.34)
STATED CAPITAL 404,486 (41.42) 404,886
TOTAL EQUITY 691,605 0.17 877,048
TOTAL LIABILITIES 6,324,218 815.96 9,600,974
TOTAL DEPOSITS 4,456,339 545.43 5,216,783
TIER 1 539,690 (21.83) 647,983
TIER 2 151,915 (78.00) 229,065
RISK WIEGHTED AVERAGE 2,788,484 303.87 3,495,170
PROVISION FOR LOANS & ADVANCES (100.00)
SPECIALISED INCOME & EXPENSE I526,729 (23.71) 641,997
 FINANCIAL DATA OF TWO (2) FOREIGN BANKS IN GHAN
THE AMOUNTS ARE RECORDED IN THOUSANDS OF GH
FIDELITY LTD
Horizontal FSA 2019[%] Vertical FSA 2019[%] 2020 Horizontal FSA 2020[%]
28.09 (29.00) 801,642 60.16
37.85 (71.00) 176,820 (6.90)
30.77 0.00 978,462 41.71
29.61 (35.64) 659,882 47.18
32.92 (64.36) 318,580 31.60
(22.34) (93.26) 66,483 (15.17)
59.38 (71.10) 252,097 53.98
88.68 267.30 1,439,323 (18.11)
52.05 (49.64) 402,465 34.59
(34.54) (56.74) 910,879 52.67
72.89 171.80 2,392,426 68.54
49.35 1060.45 9,250,849 31.86
(100.00) (100.00) (100.00)
0.10 (55.16) 422,840 4.54
26.81 (2.87) 1,000,424 44.65
51.81 963.32 8,250,425 30.46
17.06 477.77 6,511,922 46.13
20.07 (28.24) 815,081 51.03
50.78 (74.63) 185,343 22.00
25.34 287.09 4,200,378 50.63
NULL (100.00) NULL
21.88 (28.90) 726,365 37.90
EIGN BANKS IN GHANA FOR 2018-2020
D IN THOUSANDS OF GHANA CEDIS
ADB LTD
Vertical FSA 2020[%] 2018 Vertical FSA 2018[%] 2019 Horizontal FSA 2019[%]
(18.07) 265,351 (31.52) 300,096 13.09
(81.93) 122125 (68.48) 126,930 3.93
0.00 387,476 0.00 427,026 10.21
(32.56) 353419 (8.79) 409182 15.78
(67.44) 34,057 (91.21) 17,844 (47.61)
(93.21) 28149 (92.74) 3,021 (89.27)
(74.24) 5,908 (98.48) 14,823 150.90
47.10 652,828 68.48 927,086 42.01
(58.87) 277,027 (28.50) 420,394 51.75
(6.91) 279,728 (27.81) 387,259 38.44
144.51 1,068,814 175.84 1,468,653 37.41
845.45 3,597,395 828.42 4,577,659 27.25
(100.00) (100.00) NULL
(56.79) 275,100 (29.00) 421,700 53.29
2.24 639,711 65.10 793,384 24.02
743.20 2,957,684 663.32 3,784,275 27.95
565.53 2,586,265 567.46 3,392,209 31.16
(16.70) 201,102 (48.10) 291,885 45.14
(81.06) 314,059 (18.95) 40,399 (87.14)
329.28 1,934,460 399.25 2,019,949 4.42
(100.00) (100.00) NULL
(25.76) 381,568 (1.52) 412,203 8.03
Vertical FSA 2019[%] 2020 Horizantal FSA 2020[%] Vertical FSA 2020[%]
(29.72) 415,413 56.55 (25.01)
(70.28) 138559 13.46 (100.00)
0.00 553,972 42.97 0.00
(4.18) 456,283 29.11 (17.63)
(95.82) 97,689 186.84 (82.37)
(99.29) 32,286 14.70 (94.17)
(96.53) 65,403 1007.02 (88.19)
117.10 755,756 15.77 36.42
(1.55) 309,098 11.58 (44.20)
(9.31) (100.00) (100.00)
243.93 1,911,988 78.89 245.14
971.99 5,715,794 58.89 931.78
(100.00) NULL (100.00)
(1.25) 698,700 153.98 26.13
85.79 850,623 32.97 53.55
786.19 4,865,171 64.49 778.23
694.38 4,281,037 65.53 672.79
(31.65) (100.00) (100.00)
(90.54) (100.00) (100.00)
373.03 (100.00) (100.00)
(100.00) NULL (100.00)
(3.47) 488,569 28.04 (11.81)
 Ca
2018 Vertical FSA 2018[%] 2019
NET INTEREST INCOME 415,989 (20.08) 516,328
NET NON-INTEREST INCOME 104,510 (79.92) 71,494
TOTAL OPERATING INCOME 520,499 0.00 587,822
TOTAL OPERATING EXPENSES 290,146 (44.26) 345,871
NET INCOME BEFORE TAX 230,353 (55.74) 241,951
TAX 67,413 (87.05) 67,666
NET INCOME AFTER TAX 162,940 (68.70) 174,285
CASH AND CASH EQUIVALENT 637,565 22.49 854,886
CASH ASSETS DUE -BANKS 132,672 (74.51) 149,327
CASH ASSETS DUE-GOVERNMENT 169,704 (67.40) 159,977
TOTAL LOANS 2,428,002 366.48 2,920,026
TOTAL ASSETS 5,405,856 938.59 7,039,780
COMMON EQUITY SHARES (units) 626,585 20.38 262,565
STATED CAPITAL 400,000 (23.15) 400,000
TOTAL EQUITY 764,572 46.89 960,867
TOTAL LIABILITIES 4,641,284 791.70 6,078,913
TOTAL DEPOSITS 3,156,843 506.50 3,867,167
TIER 1 636,125 22.21 778,867
TIER 2 128,447 (75.32) 182,000
RISK WIEGHTED AVERAGE 3,221,414 518.91 3,792,376
PROVISION FOR LOANS & ADVAN 165,412 (68.22) 193,932
SPECIALISED INCOME & EXPENSE I 357,559 (31.30) 413,537
 FINANCIAL DATA OF TWO (2) LISTED BANKS IN GHANA FOR
THE AMOUNTS ARE RECORDED IN THOUSANDS OF GHANA
Cal Bank Ltd
Horizontal FSA 2019 [%] Vertical FSA 2019 [%] 2020 Horizontal FSA 2020 [%]
24.12 (12.16) 519,684 24.93
(31.59) (87.84) 156,123 49.39
12.93 0.00 675,807 29.84
19.21 (41.16) 400,666 38.09
5.03 (58.84) 275,141 19.44
0.38 (88.49) 68,172 1.13
6.96 (70.35) 206,969 27.02
34.09 45.43 1,211,761 90.06
12.55 (74.60) 145,243 9.48
(5.73) (72.78) 52,934 (68.81)
20.26 396.75 2,400,950 (1.11)
30.23 1097.60 7,903,415 46.20
(58.10) (55.33) 626,380 (0.03)
0.00 (31.95) 400,000 0.00
25.67 63.46 1,111,934 45.43
30.97 934.14 6,791,481 46.33
22.50 557.88 4,428,104 40.27
22.44 32.50 805,777 26.67
41.69 (69.04) 306,157 138.35
17.72 545.16 4,047,824 25.65
17.24 (67.01) 263,981 59.59
15.66 (29.65) (100.00)
STED BANKS IN GHANA FOR 2018-2020
ED IN THOUSANDS OF GHANA CEDIS
GCB LTD
Vertical FSA 2020 [%] 2018 Vertical FSA 2018[%] 2019 Horizontal FSA 2019 [%]
(23.10) 966,566 (24.64) 1,165,870 20.62
(76.90) 316,087 (75.36) 397,575 25.78
0.00 1,282,653 0.00 1,563,445 21.89
(40.71) 836,271 (34.80) 998,792 19.43
(59.29) 446,382 (65.20) 564,653 26.50
(89.91) 123,250 (90.39) 143,650 16.55
(69.37) 323,132 (74.81) 421,003 30.29
79.31 1,953,620 52.31 1,572,538 (19.51)
(78.51) 82,866 (93.54) 146,759 77.10
(92.17) 1,180,766 (7.94) 776,837 (34.21)
255.27 3,012,027 134.83 3,797,267 26.07
1069.48 10,635,051 729.14 12,416,741 16.75
(7.31) 265,000 (79.34) 265,000 0.00
(40.81) 500,000 (61.02) 500,000 0.00
64.53 1,325,417 3.33 1,652,054 24.64
904.94 9,309,634 625.81 10,764,687 15.63
555.23 8,334,997 549.82 9,842,519 18.09
19.23 1,286,515 0.30 1,341,841 4.30
(54.70) 30,052 (97.66) 44,918 49.47
498.96 (100.00) 7,409,223 NULL
(60.94) 60,011 (95.32) (100.00)
(100.00) 959,521 (25.19) 1,142,442 19.06
GCB LTD
Vertical FSA 2019 [%] 2020 Horizontal FSA 2020 [%] Vertical FSA 2020 [%
(25.43) 1,449,886 50.00 (25.19)
(74.57) 488,222 54.46 (74.81)
0.00 1,938,108 51.10 0.00
(36.12) 1,336,219 59.78 (31.06)
(63.88) 601,889 34.84 (68.94)
(90.81) 162,388 31.75 (91.62)
(73.07) 439,501 36.01 (77.32)
0.58 1,567,241 (19.78) (19.14)
(90.61) 143,362 73.00 (92.60)
(50.31) 820,182 (30.54) (57.68)
142.88 3,813,492 26.61 96.76
694.19 15,324,656 44.10 690.70
(83.05) 265,000 0.00 (86.33)
(68.02) 500,000 0.00 (74.20)
5.67 2,049,292 54.61 5.74
588.52 13,275,364 42.60 584.97
529.54 11,967,936 43.59 517.51
(14.17) 1,703,492 32.41 (12.11)
(97.13) 34,183 13.75 (98.24)
373.90 8,076,618 NULL 316.73
(100.00) (100.00) (100.00)
(26.93) 1,498,607 56.18 (22.68)