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 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
Cash & Equivalents	2,774	948.28	1,708	443.79	731.7	405.51
Investment Securities	2,625	1,515	786.46	1,804	843.89	1,474
Trading Asset Securities	7.59	7.62	10.82	1.74	202.94	143.16
Total Investments	2,633	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	716.45	728.28	759.57	245.15	244.39	255.27
Other Intangible Assets	167.66	168.14	147.36	84.48	58.89	15.01
Accrued Interest Receivable	-	0.09	-	-	0.19	0.09
Other Receivables	28.74	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	2.77	-	7	112	89.86	27.01
Other Long-Term Assets	118.11	0.21	0.06	0.26	0.25	0.05
Total Assets	10,624	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	6,668	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	6,668	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	965.36	638.77	972.45	865.74	494.2	232.6
Long-Term Debt	336.45	303.97	343.42	703.48	536.76	448.62
Long-Term Deferred Tax Liabilities	-	2.7	-	-	-	-
Total Liabilities	7,970	7,074	7,950	7,017	5,507	4,408
Common Stock	404.25	404.25	404.25	404.25	404.25	404.25
Retained Earnings	1,744	1,692	1,536	985.09	560.28	499.83
Comprehensive Income & Other	505.25	505.25	505.25	123.67	124.11	124.49
Shareholders' Equity	2,653	2,602	2,446	1,513	1,089	1,029
Total Liabilities & Equity	10,624	9,676	10,396	8,530	6,596	5,437
Total Debt	336.45	334.35	520.14	898.02	642.59	629.37
Net Cash (Debt)	2,445	621.55	1,198	-452.49	292.06	-80.71
Net Cash Growth	-14.87%	-48.14%	-	-	-	-
Net Cash Per Share	3.45	0.88	1.69	-0.64	0.41	-0.11
Filing Date Shares Outstanding	178.22	709.14	709.14	709.14	709.14	709.14
Total Common Shares Outstanding	178.22	709.14	709.14	709.14	709.14	709.14
Book Value Per Share	14.89	3.67	3.45	2.13	1.54	1.45
Tangible Book Value	2,486	2,434	2,299	1,429	1,030	1,014
Tangible Book Value Per Share	13.95	3.43	3.24	2.01	1.45	1.43

Source: S&P Global Market Intelligence. Banks template. Financial Sources.