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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	1,324	1,410	1,357	1,089	659.5	510.99
Interest Paid on Deposits	216.44	222.7	234.15	215.49	134.93	109.99
Net Interest Income	1,107	1,187	1,123	873.41	524.57	401
Net Interest Income Growth (YoY)	-4.41%	5.73%	28.58%	66.50%	30.81%	-1.04%
Income From Trading Activities	128.4	122.25	59.93	103.59	95.73	40.79
Gain (Loss) on Sale of Assets	0.01	0.01	0.44	-	-	-
Other Non-Interest Income	48.44	46.36	272.12	260.83	181.28	194.5
Total Non-Interest Income	176.85	168.62	332.48	364.42	277.02	235.29
Non-Interest Income Growth (YoY)	-42.20%	-49.28%	-8.76%	31.55%	17.73%	63.70%
Revenues Before Loan Losses	1,284	1,356	1,456	1,238	801.58	636.29
Provision for Loan Losses	16.47	-33.64	103.27	99.21	284.74	33.41
Revenue	1,268	1,390	1,352	1,139	516.84	602.89
Revenue Growth (YoY)	-11.13%	2.77%	18.77%	120.30%	-14.27%	16.93%
Salaries and Employee Benefits	279.63	275.64	244.69	216.59	171.62	131.6
Occupancy Expenses	136.24	126.49	71.06	53.99	39.43	34.81
Selling, General & Administrative	10.69	10.69	8.46	8.33	2.82	4.51
Other Non-Interest Expense	360.55	362.09	189.68	198.11	134.59	146.09
Total Non-Interest Expense	787.11	774.91	513.88	477.03	348.46	317
EBT Excluding Unusual Items	480.48	614.76	838.4	661.59	168.38	285.89
Pretax Income	480.48	614.76	838.4	661.59	168.38	281.97
Income Tax Expense	168.41	217.76	287.1	236.79	59.54	97.64
Earnings From Continuing Operations	312.07	397	551.3	424.8	108.84	184.33
Net Income	312.07	397	551.3	424.8	108.84	184.33
Net Income to Common	312.07	397	551.3	424.8	108.84	184.33
Net Income Growth	-47.45%	-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	35.05%	35.42%	34.24%	35.79%	35.36%	34.63%