Societe Generale Ghana PLC has reported a resilient financial performance for 2025, supported by improving macroeconomic conditions and the Bank’s disciplined approach to balance-sheet management. The performance was also driven by strong activity across its corporate and retail banking portfolios.
The Bank says its strategy remains firmly focused on supporting Ghana’s real economy while maintaining sustainable growth.
Key Performance Highlights (2025)
- Profit After Tax (PAT): GH¢397.0 million
- Return on Equity (ROE): 15.1%
- Capital Adequacy Ratio (CAR): 23.4%
Macroeconomic Recovery Supports Performance
According to the Bank, 2025 saw a marked improvement in Ghana’s macroeconomic environment. Interest rates declined sharply, the Ghana cedi strengthened significantly, and inflation eased, creating a more stable operating environment for businesses and financial institutions.
Despite lower interest rates, the Bank maintained healthy margins through efficient balance-sheet management, strong transaction-based revenue streams, and prudent pricing strategies. These measures helped deliver a profit after tax of GH¢397.0 million.
Net interest income remained strong at GH¢1.19 billion, representing a 6 percent increase year-on-year. Net fees and commissions grew by 16 percent, while net trading income more than doubled to GH¢122.3 million, reflecting strong treasury performance and effective balance-sheet optimisation.
Credit risk management remained a major priority during the year. The Bank maintained a cautious lending strategy that prioritised asset quality over rapid loan growth. This approach contributed to a significant improvement in asset quality, resulting in a net impairment recovery of GH¢33.6 million.
Operating expenses were also tightly controlled. At the same time, the Bank continued to invest in technology, digital banking capabilities, process automation, and staff development to strengthen efficiency and enhance its long-term competitiveness.
The Bank’s total balance sheet size declined slightly during the year, mainly due to the impact of the cedi’s appreciation on foreign-currency assets and liabilities. This reflects the broader strengthening of Ghana’s macroeconomic fundamentals.
Strong Capital and Growing Investor Confidence
Societe Generale Ghana PLC ended the year with strong capital and liquidity buffers, well above regulatory requirements. This provides the Bank with sufficient capacity to support customers and pursue future growth opportunities.
Investor confidence in the Bank also remained strong. Its share price rose by 199 percent during the year, climbing from GH¢1.50 at the start of 2025 to GH¢4.49 by year-end—an indication of strong market confidence in the Bank’s strategy and long-term outlook.
The Bank noted that a decision on dividend payments for the 2025 financial year will be considered by the Board and announced at the Annual General Meeting.
Outlook for 2026
Looking ahead, the Bank says it is well positioned to deliver sustainable earnings growth in 2026 as macroeconomic stability improves and business confidence strengthens.
It plans to deepen its customer-centric approach while expanding digital banking solutions. The Bank will also continue to embed Environmental, Social and Governance (ESG) principles into its business operations.
According to the Bank, these strategic priorities will enable it to support Ghana’s economic recovery, expand responsibly, and create sustainable long-term value for shareholders.