Societe Generale Ghana records Resilient Performance Amid Macroeconomic Resetting

In the context of rapid improvement of macroeconomic conditions, Societe Generale Ghana PLC 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.

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 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 stabilize 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 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.

Societe Generale Ghana Plc

Societe Generale Ghana is one of the leading banks in Ghana with 40-networked branches and outlets across the country. The Bank provides Retail and Corporate clients with dedicated innovative products and services aimed at satisfying and anticipating customers’ needs.

The Bank is recognized for supporting individuals and businesses of various sizes and backgrounds to achieve their full potential. The Bank is the foremost innovator in the Banking industry spearheading key reforms such as Factoring, Finance Lease, Cash Management, Foreign Exchange Hedging, Consumer Credit Loan and Bill Payments to meet its customers’ needs.

For more information, you can visit our website www.societegenerale.com.gh or any of our Branches or call our Contact Centre on 0302 214 314 or Facebook at www.facebook.com/societegeneralegh or email [email protected]

Societe Generale

Societe Generale Societe Generale is a top tier European Bank with around 119,000 employees serving more than 26 million clients in 62 countries across the world. We have been supporting the development of our economies for 160 years, providing our corporate, institutional, and individual clients with a wide array of value-added advisory and financial solutions. Our long-lasting and trusted relationships with the clients, our cutting-edge expertise, our unique innovation, our ESG capabilities and leading franchises are part of our DNA and serve our most essential objective – to deliver sustainable value creation for all our stakeholders.

The Group runs three complementary sets of businesses, embedding ESG offerings for all its clients:
• French Retail, Private Banking and Insurance, with leading retail bank SG and insurance franchise, premium private banking services, and the leading digital bank BoursoBank.

• Global Banking and Investor Solutions, a top tier wholesale bank offering tailored-made solutions with distinctive global leadership in equity derivatives, structured finance and ESG.

• Mobility, International Retail Banking and Financial Services, comprising well-established universal banks (in Czech Republic, Romania and several African countries), Ayvens (the new ALD I LeasePlan brand), a global player in sustainable mobility, as well as specialized financing activities.

Committed to building together with its clients a better and sustainable future, Societe Generale aims to be a leading partner in the environmental transition and sustainability overall. The Group is included in the principal socially responsible investment indices: DJSI (Europe), FTSE4Good (Global and Europe), Bloomberg Gender-Equality Index, Refinitiv Diversity and Inclusion Index, Euronext Vigeo (Europe and Eurozone), STOXX Global ESG Leaders indexes, and the MSCI Low Carbon Leaders Index (World and Europe).

For more information, you can follow us on Twitter/X @societegenerale or visit our website societegenerale.com

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