Societe Generale Ghana Balance Sheet

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
Cash & Equivalents	2,592	1,708	443.79	731.7	405.51	1,016
Investment Securities	2,358	786.46	1,804	843.89	1,474	548.79
Trading Asset Securities	9.48	10.82	1.74	202.94	143.16	67.9
Total Investments	2,367	797.28	1,805	1,047	1,617	616.68
Gross Loans	4,320	5,841	4,664	3,635	2,805	2,826
Allowance for Loan Losses	-	-654.57	-541.21	-433.73	-234.15	-209.83
Other Adjustments to Gross Loans	-	-174.72	-134.57	-98.28	-66.35	-53.23
Net Loans	4,320	5,012	3,988	3,103	2,504	2,563
Property, Plant & Equipment	731.41	759.57	245.15	244.39	255.27	290.75
Other Intangible Assets	152.43	147.36	84.48	58.89	15.01	1.26
Accrued Interest Receivable	-	-	-	0.19	0.09	0.05
Other Receivables	-	40.99	91.26	55.87	25.47	36.99
Restricted Cash	-	1,872	1,688	1,219	558.45	546.46
Other Current Assets	-	6.81	33.63	17.92	15.41	15.11
Long-Term Deferred Tax Assets	174.9	7	112	89.86	27.01	15.31
Other Long-Term Assets	182.09	0.06	0.26	0.25	0.05	0.15
Total Assets	10,520	10,396	8,530	6,596	5,437	5,115
Accrued Expenses	-	152.33	148.78	72.43	132.1	193.25
Interest Bearing Deposits	6,264	1,845	1,469	1,179	1,132	1,191
Non-Interest Bearing Deposits	-	4,406	3,620	3,062	2,261	2,294
Total Deposits	6,264	6,251	5,089	4,241	3,393	3,485
Short-Term Borrowings	-	-	0.06	-	40.51	-
Current Portion of Long-Term Debt	-	176.72	194.48	105.82	140.25	12.76
Current Income Taxes Payable	4.64	54.87	15.35	57.27	21.33	25.75
Other Current Liabilities	1,155	972.45	865.74	494.2	232.6	119.06
Long-Term Debt	371.42	343.42	703.48	536.76	448.62	353.5
Long-Term Deferred Tax Liabilities	175.59	-	-	-	-	-
Total Liabilities	7,971	7,950	7,017	5,507	4,408	4,190
Common Stock	404.25	404.25	404.25	404.25	404.25	404.25
Retained Earnings	1,640	1,536	985.09	560.28	499.83	396.34
Comprehensive Income & Other	505.25	505.25	123.67	124.11	124.49	125.01
Shareholders' Equity	2,549	2,446	1,513	1,089	1,029	925.59
Total Liabilities & Equity	10,520	10,396	8,530	6,596	5,437	5,115
Total Debt	371.42	520.14	898.02	642.59	629.37	366.27
Net Cash (Debt)	2,230	1,198	-452.49	292.06	-80.71	717.16
Net Cash Growth	-11.14%	-	-	-	-	3.75%
Net Cash Per Share	-	1.69	-0.64	0.41	-0.11	1.01
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	-	3.45	2.13	1.54	1.45	1.31
Tangible Book Value	2,397	2,299	1,429	1,030	1,014	924.33
Tangible Book Value Per Share	-	3.24	2.01	1.45	1.43	1.30

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