Societe Generale Ghana Balance Sheet

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
Cash & Equivalents	948.28	1,708	443.79	731.7	405.51
Investment Securities	1,515	786.46	1,804	843.89	1,474
Trading Asset Securities	7.62	10.82	1.74	202.94	143.16
Total Investments	1,522	797.28	1,805	1,047	1,617
Gross Loans	5,121	5,666	4,664	3,635	2,805
Allowance for Loan Losses	-629.5	-654.57	-541.21	-433.73	-234.15
Other Adjustments to Gross Loans	-	-	-134.57	-98.28	-66.35
Net Loans	4,492	5,012	3,988	3,103	2,504
Property, Plant & Equipment	728.28	759.57	245.15	244.39	255.27
Other Intangible Assets	168.14	147.36	84.48	58.89	15.01
Accrued Interest Receivable	0.09	-	-	0.19	0.09
Other Receivables	23.99	34.53	91.26	55.87	25.47
Restricted Cash	1,728	1,872	1,688	1,219	558.45
Other Current Assets	23.28	13.28	33.63	17.92	15.41
Long-Term Deferred Tax Assets	-	7	112	89.86	27.01
Other Long-Term Assets	0.21	0.06	0.26	0.25	0.05
Total Assets	9,676	10,396	8,530	6,596	5,437
Accrued Expenses	253.93	152.33	148.78	72.43	132.1
Interest Bearing Deposits	1,954	1,845	1,469	1,179	1,132
Non-Interest Bearing Deposits	3,890	4,406	3,620	3,062	2,261
Total Deposits	5,845	6,251	5,089	4,241	3,393
Short-Term Borrowings	-	-	0.06	-	40.51
Current Portion of Long-Term Debt	30.38	176.72	194.48	105.82	140.25
Current Income Taxes Payable	-	54.87	15.35	57.27	21.33
Other Current Liabilities	638.77	972.45	865.74	494.2	232.6
Long-Term Debt	303.97	343.42	703.48	536.76	448.62
Long-Term Deferred Tax Liabilities	2.7	-	-	-	-
Total Liabilities	7,074	7,950	7,017	5,507	4,408
Common Stock	404.25	404.25	404.25	404.25	404.25
Retained Earnings	1,692	1,536	985.09	560.28	499.83
Comprehensive Income & Other	505.25	505.25	123.67	124.11	124.49
Shareholders' Equity	2,602	2,446	1,513	1,089	1,029
Total Liabilities & Equity	9,676	10,396	8,530	6,596	5,437
Total Debt	334.35	520.14	898.02	642.59	629.37
Net Cash (Debt)	621.55	1,198	-452.49	292.06	-80.71
Net Cash Growth	-48.14%	-	-	-	-
Net Cash Per Share	0.88	1.69	-0.64	0.41	-0.11
Filing Date Shares Outstanding	709.14	709.14	709.14	709.14	709.14
Total Common Shares Outstanding	709.14	709.14	709.14	709.14	709.14
Book Value Per Share	3.67	3.45	2.13	1.54	1.45
Tangible Book Value	2,434	2,299	1,429	1,030	1,014
Tangible Book Value Per Share	3.43	3.24	2.01	1.45	1.43

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