Societe Generale Ghana Income Statement

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

Millions GHS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	1,462	1,357	1,089	659.5	510.99	519.46
Interest Paid on Deposits	227.79	234.15	215.49	134.93	109.99	114.25
Net Interest Income	1,234	1,123	873.41	524.57	401	405.21
Net Interest Income Growth (YoY)	14.97%	28.58%	66.50%	30.81%	-1.04%	10.77%
Income From Trading Activities	119.38	59.93	103.59	95.73	40.79	41.66
Gain (Loss) on Sale of Assets	0.44	0.44	-	-	-	-
Other Non-Interest Income	118.29	272.12	260.83	181.28	194.5	102.07
Total Non-Interest Income	238.11	332.48	364.42	277.02	235.29	143.73
Non-Interest Income Growth (YoY)	-23.84%	-8.76%	31.55%	17.73%	63.70%	0.34%
Revenues Before Loan Losses	1,472	1,456	1,238	801.58	636.29	548.95
Provision for Loan Losses	-48.72	103.27	99.21	284.74	33.41	33.35
Revenue	1,521	1,352	1,139	516.84	602.89	515.6
Revenue Growth (YoY)	25.23%	18.77%	120.30%	-14.27%	16.93%	13.53%
Salaries and Employee Benefits	254.59	244.69	216.59	171.62	131.6	124.08
Occupancy Expenses	112.49	71.06	53.99	39.43	34.81	33.59
Selling, General & Administrative	8.46	8.46	8.33	2.82	4.51	2.09
Other Non-Interest Expense	204.81	189.68	198.11	134.59	146.09	129.59
Total Non-Interest Expense	580.35	513.88	477.03	348.46	317	289.36
EBT Excluding Unusual Items	940.42	838.4	661.59	168.38	285.89	226.24
Pretax Income	940.42	838.4	661.59	168.38	281.97	221.63
Income Tax Expense	319.14	287.1	236.79	59.54	97.64	67.42
Earnings From Continuing Operations	621.27	551.3	424.8	108.84	184.33	154.21
Net Income	621.27	551.3	424.8	108.84	184.33	154.21
Net Income to Common	621.27	551.3	424.8	108.84	184.33	154.21
Net Income Growth	45.58%	29.78%	290.30%	-40.95%	19.53%	19.97%
Basic Shares Outstanding	-	709	709	709	709	709
Diluted Shares Outstanding	-	709	709	709	709	709
EPS (Basic)	-	0.78	0.60	0.15	0.26	0.22
EPS (Diluted)	-	0.78	0.60	0.15	0.26	0.22
EPS Growth	-	29.72%	291.51%	-41.14%	19.79%	20.56%
Dividend Per Share	0.340	0.340	-	-	0.068	-
Effective Tax Rate	33.94%	34.24%	35.79%	35.36%	34.63%	30.42%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.