CAL Bank (XGHA:CAL) Scaled Net Operating Assets : -0.10 (As of Jun. 2024)

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What is CAL Bank Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

CAL Bank's operating assets for the quarter that ended in Jun. 2024 was GHS7,883.6 Mil. CAL Bank's operating liabilities for the quarter that ended in Jun. 2024 was GHS8,899.3 Mil. CAL Bank's Total Assets for the quarter that ended in Dec. 2023 was GHS9,899.8 Mil. Therefore, CAL Bank's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2024 was -0.10.

CAL Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

CAL Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(7578.883	-	8679.942)	/	9250.554
=	-0.12

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	9899.846	-	2320.963
=	7578.883

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	10040.848	-	1360.906	-	0
=	8679.942

CAL Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Jun. 2024 )
=	(Operating Assets (Q: Jun. 2024 )	-	Operating Liabilities (Q: Jun. 2024 ))	/	Total Assets (Q: Dec. 2023 )
=	(7883.594	-	8899.281)	/	9899.846
=	-0.10

where

	Operating Assets		(Q: Jun. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	10982.069	-	3098.475
=	7883.594

	Operating Liabilities		(Q: Jun. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	10819.334	-	1920.053	-	0
=	8899.281

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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CAL Bank Business Description

Industry

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Comparable Companies

Traded in Other Exchanges

N/A

Address

23 Independence Avenue, P.O. Box 14596, Accra, GHA

Website

https://www.calbank.net

CAL Bank Ltd is engaged in providing banking solutions. Its reportable segments are Corporate Banking, Retail & Business Banking, Treasury, Brokerage, & Asset Management. Corporate Banking is responsible for providing loans & other credit facilities, deposits & other transactions & balances to corporate clients, institutional clients, & public sector entities. The Treasury segment undertakes the Bank's funding & centralized risk management activities through borrowings & investing in liquid assets. The Retail & Business Banking segment provides loans & overdrafts, & handles the deposits & other transactions of SMEs, & individual customers such as funds transfer, standing orders, and ATM Card services. The majority revenue is generated from Retail & business banking.