Societe Generale Ghana Income Statement

Financials in millions GHS. Fiscal year is January - December.

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,410	1,357	1,089	659.5	510.99
Interest Paid on Deposits	222.7	234.15	215.49	134.93	109.99
Net Interest Income	1,187	1,123	873.41	524.57	401
Net Interest Income Growth (YoY)	5.73%	28.58%	66.50%	30.81%	-1.04%
Income From Trading Activities	122.25	59.93	103.59	95.73	40.79
Gain (Loss) on Sale of Assets	0.01	0.44	-	-	-
Other Non-Interest Income	46.36	272.12	260.83	181.28	194.5
Total Non-Interest Income	168.62	332.48	364.42	277.02	235.29
Non-Interest Income Growth (YoY)	-49.28%	-8.76%	31.55%	17.73%	63.70%
Revenues Before Loan Losses	1,356	1,456	1,238	801.58	636.29
Provision for Loan Losses	-33.64	103.27	99.21	284.74	33.41
Revenue	1,390	1,352	1,139	516.84	602.89
Revenue Growth (YoY)	2.77%	18.77%	120.30%	-14.27%	16.93%
Salaries and Employee Benefits	275.64	244.69	216.59	171.62	131.6
Occupancy Expenses	126.49	71.06	53.99	39.43	34.81
Selling, General & Administrative	10.69	8.46	8.33	2.82	4.51
Other Non-Interest Expense	362.09	189.68	198.11	134.59	146.09
Total Non-Interest Expense	774.91	513.88	477.03	348.46	317
EBT Excluding Unusual Items	614.76	838.4	661.59	168.38	285.89
Pretax Income	614.76	838.4	661.59	168.38	281.97
Income Tax Expense	217.76	287.1	236.79	59.54	97.64
Earnings From Continuing Operations	397	551.3	424.8	108.84	184.33
Net Income	397	551.3	424.8	108.84	184.33
Net Income to Common	397	551.3	424.8	108.84	184.33
Net Income Growth	-27.99%	29.78%	290.30%	-40.95%	19.53%
Basic Shares Outstanding	709	709	709	709	709
Diluted Shares Outstanding	709	709	709	709	709
EPS (Basic)	0.56	0.78	0.60	0.15	0.26
EPS (Diluted)	0.56	0.78	0.60	0.15	0.26
EPS Growth	-27.95%	29.72%	291.51%	-41.14%	19.79%
Dividend Per Share	-	0.340	-	-	0.068
Effective Tax Rate	35.42%	34.24%	35.79%	35.36%	34.63%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.