Société Générale Ghana recorded an after-tax profit of 397 million Ghanaian cedis ($25.6 million) in 2025, with a return on equity (ROE) of 15.1% and a capital adequacy ratio (CAR) of 23.4%, demonstrating resilient performance in a context of improving macroeconomic environment in Ghana.
For the year ended December 31, 2025, net interest income stood at 1.19 billion cedis ($76.8 million), up 6% year-on-year, while net commission income increased by 16%. Trading net income more than doubled to reach 122.3 million cedis ($7.9 million), driven by treasury activities performance and active balance sheet management.
The period under review was marked by a decrease in interest rates, an appreciation of the cedi, and a slowdown in inflation in Ghana. In this context, the bank maintained its margins through strong transaction revenues and a prudent pricing policy.
“In a context of macroeconomic stabilization and improved business confidence in Ghana, we believe we are well positioned to support sustainable profit growth in 2026, thanks to a strong capital base, rigorous risk management, and the development of digital solutions,” said the bank.
Credit risk management remained cautious, with the bank prioritizing asset quality over loan portfolio expansion. This strategy contributed to an improvement in risk profile, with a net release of provisions for losses of 33.6 million cedis ($2.2 million).
In its financial statement, the bank stated that it controlled its operating expenses despite continued investments in technology, digital capabilities, process automation, and human capital. The size of the balance sheet slightly decreased, mainly due to the impact of the cedi appreciation on foreign currency assets and liabilities.
Investor confidence strengthened, with Société Générale Ghana’s stock on the Ghana Stock Exchange rising by 199%, from 1.50 cedis (0.10 USD) at the beginning of the year to 4.49 cedis (0.29 USD) at the end of 2025.
