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	Jun '26 Jun 30, 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	1,207	1,410	1,357	1,089	659.5	510.99
Interest Paid on Deposits	202.37	222.7	234.15	215.49	134.93	109.99
Net Interest Income	1,005	1,187	1,123	873.41	524.57	401
Net Interest Income Growth	-16.81%	5.73%	28.58%	66.50%	30.81%	-1.04%
Income From Trading Activities	100.3	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	131.46	46.36	272.12	260.83	181.28	194.5
Total Non-Interest Income	231.78	168.62	332.48	364.42	277.02	235.29
Non-Interest Income Growth	-5.45%	-49.28%	-8.76%	31.55%	17.73%	63.70%
Revenues Before Loan Losses	1,237	1,356	1,456	1,238	801.58	636.29
Provision for Loan Losses	-2.85	-33.64	103.27	99.21	284.74	33.41
Revenue	1,240	1,390	1,352	1,139	516.84	602.89
Revenue Growth	-15.88%	2.77%	18.77%	120.30%	-14.27%	16.93%
Salaries and Employee Benefits	287.23	275.64	244.69	216.59	171.62	131.6
Occupancy Expenses	140.9	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	365.44	362.09	189.68	198.11	134.59	146.09
Total Non-Interest Expense	804.26	774.91	513.88	477.03	348.46	317
EBT Excluding Unusual Items	435.27	614.76	838.4	661.59	168.38	285.89
Pretax Income	435.27	614.76	838.4	661.59	168.38	281.97
Income Tax Expense	155.14	217.76	287.1	236.79	59.54	97.64
Earnings From Continuing Operations	280.14	397	551.3	424.8	108.84	184.33
Net Income	280.14	397	551.3	424.8	108.84	184.33
Net Income to Common	280.14	397	551.3	424.8	108.84	184.33
Net Income Growth	-55.43%	-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
Shares Change	-	-	-	-	-	-
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
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	35.64%	35.42%	34.24%	35.79%	35.36%	34.63%