In the context of rapid improvement of macroeconomic conditions, Societe Generale Ghana PLC has delivered resilient financial performance in 2025, reflecting the Bank’s continued focus on disciplined balance-sheet management, and robust corporate and retail portfolio.

The Bank’s strategy continues to be focused on supporting the real economy of Ghana.

Headline Performance (2025)

Key Metrics

• Profit After Tax (PAT): GH¢397.0 million
• Return on Equity (ROE): 15.1%
• Capital Adequacy Ratio (CAR): 23.4%

Performance Shaped by Macroeconomic Resetting.

According to the Bank, the year 2025 marked a significant improvement in Ghana’s macroeconomic environment resulting in a sharp decline in interest rates, strong appreciation of the Ghana cedi and easing inflation.

With efficient balance-sheet management complemented by strong transaction-based revenues, and prudent pricing strategies, the Bank preserved margins and achieved a profit after tax of GH¢397.0 million despite declining interest rates.

Net interest income remained robust at GH¢1.19 billion (+6% year-on-year), net fees and commissions income grew by 16%, while net trading income more than doubled to GH¢122.3 million, reflecting effective treasury execution and balance-sheet optimization.

Credit risk management also remained a key priority during the year and the Bank maintained a cautious lending stance, prioritizing asset quality over volume growth. This approach resulted in a material improvement in asset quality, culminating in a net impairment recovery of GH¢33.6 million.

Operating expenses were carefully managed during the year, while the Bank continued to make strategic investments in technology, digital capabilities, process automation, and human capital, to strengthen long-term efficiency and competitiveness.

Total balance sheet size declined modestly, largely due to the translation impact of cedi appreciation on the Bank’s foreign-currency assets and liabilities, underscoring the improving macroeconomic fundamentals of the Ghanaian economy.

Strong Capital Position and Market Confidence

The Bank ended the year with strong capital and liquidity buffers, well above regulatory thresholds, providing capacity to support customers and future asset growth.

Investor confidence remained robust. The Bank’s share price rose by 199%, increasing from GH¢1.50 at the beginning of the year to GH¢4.49 at year-end, reflecting strong market endorsement of the Bank’s strategy and long-term growth trajectory.

The decision to declare and pay dividends for the 2025 financial year will be tabled to the Board appropriately and the decision subsequently announced at the Annual General Meeting.

Outlook for 2026

As macroeconomic conditions stabilise and business confidence improve, the Bank entered 2026 well positioned to deliver sustainable earnings growth, supported by a strong capital base, disciplined risk management, and operational efficiency.

The Bank said it will continue to deepen customer-centrism and digital solutions while embedding Environmental, Social and Governance (ESG) priorities across all business decision-making. These strategic priorities position the Bank to support Ghana’s economic recovery, expand responsibly, and deliver sustainable long-term value for shareholders.