powerpoint presentation sept. 2016 25.5 percent Δy/y 32.0 percent july 2017 55.7 ghs billion july...
TRANSCRIPT
0.0
5.0
10.0
15.0
20.0
25.0
Jan
-12
Mar
-12
May
-12
Jul-
12
Sep
-12
No
v-1
2
Jan
-13
Mar
-13
May
-13
Jul-
13
Sep
-13
No
v-1
3
Jan
-14
Mar
-14
May
-14
Jul-
14
Sep
-14
No
v-1
4
Jan
-15
Mar
-15
May
-15
Jul-
15
Sep
-15
No
v-1
5
Jan
-16
Mar
-16
May
-16
Jul-
16
Sep
-16
No
v-1
6
Jan
-17
Mar
-17
May
-17
Jul-
17
Sep
-17
4.23.9
3.6
4.2 4.4
5.9
3.9 4.1
6.6
Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17
3.00
4.00
5.00
6.00
7.00
8.00
Jan-15 Mar-15 May-15 Jul-15 Sep-15 Nov-15 Jan-16 Mar-16 May-16 Jul-16 Sep-16 Nov-16 Jan-17 Mar-17 May-17 Jul-17 Sep-17
USDGHS EURGHS GBPGHS
36.2%46.3% 43.8%
50.2% 53.8%60.8%
72.2% 73.3% 68.6%
-5.8% -6.5% -4.0% -12.0% -10.1% -9.5% -6.7% -8.7% -2.7%
2 0 0 9 2 0 1 0 2 0 1 1 2 0 1 2 2 0 1 3 2 0 1 4 2 0 1 5 2 0 1 6 2 0 1 7 *
Public Debt/GDP Fiscal Deficit/GDP
ΔY/Y
(17.6)PERCENT
SEPT. 2017
21.0PERCENT
SEPT. 2016
25.5PERCENT
ΔY/Y
32.0PERCENT
JULY 2017
55.7GHS Billion
JULY 2016
42.2GHS Billion
ΔY/Y
33.0PERCENT
JULY 2017
89.1GHS Billion
JULY 2016
67.0GHS Billion
ΔY/Y
17.8PERCENT
JULY 2017
37.8GHS Billion
JULY 2016
32.1GHS Billion
ΔY/Y
9.4PERCENT
JULY 2017
20.9PERCENT
JULY 2016
19.1PERCENT
ΔY/Y
(14.4)PERCENT
JULY 2017
14.3PERCENT
JULY 2016
16.7PERCENT
The monetary policy rate has been on a declining trajectory sinceNovember 2016, which is in line with the Government’s agenda toimprove access to credit
The increase in the NPL ratio is due to increased loan impairments,largely from the energy sector
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15Active Corr.
Banks
ISSUED SHARES
548.26 MILLION
MARKET VALUE
575.70GHS MILLION
PUBLIC FLOAT
30.88PERCENT
28Branches
87ATMs
EMPLOYEES
792PROFESSIONAL
STAFF
CAL Bank Limited
is an indigenous bank established in Ghana in 1990,
listed on the Ghana Stock
Exchange
SUBSIDIARIES
3WHOLLY OWNED
SSNIT33.2%
ARISE BV27.7%
ICAM4.3%
ADU JR, FRANK B. 2.4%
CENTUM EXOTICS
2.3%
OTHERS30.1%
1. As at October 31, 2017
• • •
186.2
284.3 289.0
90.9
44.6
1.0
43.8
-20.3
231.4
184.2
133.7113.6
69.448.6 37.0 24.7
SCB EGH GCB CAL SOGEGH ADB ACCESS HFC
Q32016 Q32017
7.9
5.4
3.83.3
2.7 2.72.3
1.8
8.3
6.8
4.6
3.93.4
2.92.6
1.9
EGH GCB SCB CAL ADB ACCESS SOGEGH HFC
Q32016 Q32017
5.6
3.9
2.7
1.9 1.9 2.01.6 1.4
6.1
5.0
3.4
2.4 2.32.0 2.0
1.6
EGH GCB SCB ADB CAL ACCESS SOGEGH HFC
Q32016 Q32017
3.5
2.0
1.6
1.2 1.11.3
1.0 1.0
3.5
1.9
1.61.3 1.2 1.2 1.2
0.8
EGH CAL GCB SCB ADB ACCESS SOGEGH HFC
Q32016 Q32017
6.8%
3.9%2.8%
5.3%
7.6%
0.1%
2.2%
-1.6%
7.4%
4.2%3.8%
3.0% 2.9%2.2% 1.8% 1.8%
SCB CAL SOGEGH EGH GCB ADB ACCESS HFC
Q32016 Q32017
37.1%
22.4%
42.3%
23.5%
-13.7%
42.2%
0.4%
13.6%
39.6%
27.9% 26.7% 25.4%
19.1%16.6% 15.5%
11.0%
SCB SOGEGH EGH CAL HFC GCB ADB ACCESS
Q32016 Q32017
11.5% 11.2%
9.4%
6.3%
2.7%3.2% 3.6% 3.4%
11.4%
10.1%
8.7%8.3%
4.9%
3.5%3.0%
2.4%
CAL HFC ACCESS ADB GCB SCB SOGEGH EGH
Q32016 Q32017
80.7%
91.7%
48.1% 49.9%
58.8%
46.7% 42.1%
29.9%
79.2%72.5% 71.9%
68.6%
56.3% 51.0%
39.9%36.3%
HFC ADB GCB ACCESS SOGEGH EGH CAL SCB
Q32016 Q32017
18.5%
22.9% 23.5%
15.7%
10.6%11.6%
15.7%
12.0%
21.5%
19.1% 18.3%16.7%
15.7%14.8%
13.2%
10.2%
SOGEGH GCB SCB EGH ADB HFC CAL ACCESS
Q32016 Q32017
105.9%
63.7% 64.0% 61.6%
73.6%
58.5%
44.2%39.8%
81.8%
61.0% 60.2% 58.5%51.3% 50.0%
37.3%31.4%
CAL SOGEGH ACCESS EGH HFC ADB SCB GCB
Q32016 Q32017
21.6%
27.0%
21.1%
15.2%
11.1%
14.5%
11.3%
14.9%
28.3%
25.0%
22.3%
18.0%16.0% 15.5%
10.8%10.2%
SCB GCB CAL ADB HFC SOGEGH ACCESS EGH
Q32016 Q32017
48.9%
35.2%30.5%
25.7%
17.3%
12.0%8.4%
18.3%
44.9%
38.8%
24.6% 22.8%
16.0%13.0% 12.6% 12.0%
SCB ADB HFC ACCESS SOGEGH GCB CAL EGH
Q32016 Q32017
1
15.4 17.4
33.6
49.1
Q32014 Q32015 Q32016 Q32017
37.9
49.244.3
37.8
64.6
59.4
26.333.5
8.5
9.0
9.0 11.6
Q 3 2 0 1 4 Q 3 2 0 1 5 Q 3 2 0 1 6 Q 3 2 0 1 7
Other Income Net Trading Income
Net Fees & Commissions
129.9
175.9
217.3
259.7
Q32014 Q32015 Q32016 Q32017
117.6
79.582.9
110.9
31.2%
36.5%
42.1%
39.9%
30.0%
33.0%
36.0%
39.0%
42.0%
Q32014 Q32015 Q32016 Q32017
8.6%
6.8%
8.4%
12.6%
5.0%
7.0%
9.0%
11.0%
13.0%
Q32014 Q32015 Q32016 Q32017
10.9%
10.3%
11.0%
13.2%
10.0%
10.5%
11.0%
11.5%
12.0%
12.5%
13.0%
13.5%
Q32014 Q32015 Q32016 Q32017
2
53.6% 50.4%61.8%
47.5%
33.2% 36.0% 19.0%
25.2%
13.2% 13.6% 19.2% 27.3%
0%
20%
40%
60%
80%
100%
Q32014 Q32015 Q32016 Q32017
Loans & Advances Other Interest Earning Assets Other Assets
Agriculture, Forestry & Finishing
<1%
Transport, Storage & Communication
3%
Mining & Quarrying
5%
Manufacturing6%
Miscellaneous4%
Government 10%
Services8%
Commerce & Finance
18%
Electricity, Gas & Water20%
Construction26%
Agriculture, Forestry & Finishing…
Transport, Storage & Communication
8%
Mining & Quarrying
2%Manufacturing8%
Miscellaneous7%
Government 7%
Services14%
Commerce & Finance
21%
Electricity, Gas & Water
9%
Construction24%
23.0%
20.2%
21.1%
22.3%
15.0%
17.5%
20.0%
22.5%
25.0%
Q32014 Q32015 Q32016 Q32017
7.7%
6.0%
3.9%4.2%
3.0%
4.0%
5.0%
6.0%
7.0%
8.0%
9.0%
Q32014 Q32015 Q32016 Q32017
45.0%
37.7%
23.5%
25.4%
20.0%
25.0%
30.0%
35.0%
40.0%
45.0%
50.0%
Q32014 Q32015 Q32016 Q32017
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7.00
Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17 Aug-17 Sep-17 Oct-17
Shar
e P
rice
(G
HS)
Vo
lum
e Tr
aded
Mill
ion
s
Volume Last Price
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3.86x
2.95x
4.58x
4.82x
Q 3 2 0 1 4 Q 3 2 0 1 5 Q 3 2 0 1 6 Q 3 2 0 1 7
1.30x
0.90x
0.77x
0.90x
Q 3 2 0 1 4 Q 3 2 0 1 5 Q 3 2 0 1 6 Q 3 2 0 1 7
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