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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

Societe Generale Ghana

SOGEGH · Ghana Stock Exchange · Company statements

On this page
Company details
Legal name
Societe Generale Ghana PLC
Listing
SOGEGH on the Ghana Stock Exchange, active (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · published summary of audited statements, signed / final · source

Read with these figures

  • Summary financial statements. FY2025 figures come from a published summary of the audited statements, not the full statements.
Full wording and sources

  • 2025: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. The publication is headed 'Societe Generale Ghana PLC 2025 Audited Financial Statements' (p1) and does not itself state that it is extracted; its notes state the statements were prepared under IFRS as adopted by the ICAG and 'the guide for financial publication 2017 issued by the Bank of Ghana' (p2). The auditor's report describes them as 'The Bank's summary financial statements derived from the audited financial statements for the year ended 31 December 2025' (p2). Independent auditor's report on the summary financial statements (p2): 'In our opinion, the accompanying summary financial statements of Societe Generale Plc (the “Bank”), are consistent, in all material respects, with the audited financial statements of the Bank for the year ended 31 December 2025, on the basis described in the notes.' Conducted under ISA 810 (Revised); PricewaterhouseCoopers, 27 February 2026. It states: 'We expressed an unmodified audit opinion on the audited financial statements in our report dated 27 February 2026.' Statements of profit or loss and OCI, financial position, cash flows and changes in equity of the Bank (p1), with short notes, quantitative and qualitative disclosures (p2). Condensed bank lines; no full notes. The publication is headed '2025 Audited Financial Statements', but the auditor's report printed with it is on the 'summary financial statements'.

    Source: Societe Generale Ghana PLC 2025 Audited Financial Statements (dated 2026-02-27)

  • 2024, 2023: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. The publication is headed 'Societe Generale Ghana PLC 2024 Audited Financial Statements' (p1) and does not itself state that it is extracted; its notes state the statements were prepared under IFRS with the IAS 29 directive of the ICAG and 'the guide for financial publication 2017 issued by the Bank of Ghana' (p2). The auditor's report describes them as 'The bank's summary financial statements derived from the audited financial statements for the year ended 31 December 2024' (p2). Independent auditor's report on the summary financial statements (p2): 'In our opinion, the accompanying summary financial statements of Societe Generale Ghana PLC (the Bank), are consistent, in all material respects, with the audited financial statements of the bank for the year ended 31 December 2024, on the basis described in the notes.' Conducted under ISA 810 (Revised); PricewaterhouseCoopers, 28 February 2025. It states: 'We expressed an unmodified audit opinion on the audited financial statements in our report dated 28 February 2025.' Statements of profit or loss and OCI, financial position, cash flows and changes in equity of the Bank (p1), with short notes, quantitative and qualitative disclosures (p2). Condensed bank lines; no full notes. The publication is headed '2024 Audited Financial Statements', but the auditor's report printed with it is on the 'summary financial statements'.

    Source: Societe Generale Ghana PLC 2024 Audited Financial Statements (dated 2025-02-28)

  • Net interest income

    GHS 1.19 billion

    1,187,411,264 GHS units · p1

    Change not shown.

    Interest income less interest expense, as printed.

  • Operating income

    GHS 1.36 billion

    1,356,036,221 GHS units · p1

    Change not shown.

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    GHS 397 million

    397,001,300 GHS units · p1

    Change not shown.

  • Total assets

    GHS 9.68 billion

    9,676,100,447 GHS units · p1

    Change not shown.

  • Customer deposits

    GHS 5.84 billion

    5,843,182,979 GHS units · p1

    Change not shown.

  • Total equity

    GHS 2.60 billion

    2,601,775,159 GHS units · p1

    Change not shown.

Large amounts are rounded for reading (GHS million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Not shown: the two years come from different filings.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in GHS units unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — published summary of audited statements (summary), signed / final; reported for the year · source
  • FY2024 — published summary of audited statements (summary), signed / final; reported for the year · source
    • 2024, 2023: figures from a published summary. These columns come from a summary of the audited statements, not the full audited financial statements. The publication is headed 'Societe Generale Ghana PLC 2024 Audited Financial Statements' (p1) and does not itself state that it is extracted; its notes state the statements were prepared under IFRS with the IAS 29 directive of the ICAG and 'the guide for financial publication 2017 issued by the Bank of Ghana' (p2). The auditor's report describes them as 'The bank's summary financial statements derived from the audited financial statements for the year ended 31 December 2024' (p2). Independent auditor's report on the summary financial statements (p2): 'In our opinion, the accompanying summary financial statements of Societe Generale Ghana PLC (the Bank), are consistent, in all material respects, with the audited financial statements of the bank for the year ended 31 December 2024, on the basis described in the notes.' Conducted under ISA 810 (Revised); PricewaterhouseCoopers, 28 February 2025. It states: 'We expressed an unmodified audit opinion on the audited financial statements in our report dated 28 February 2025.' Statements of profit or loss and OCI, financial position, cash flows and changes in equity of the Bank (p1), with short notes, quantitative and qualitative disclosures (p2). Condensed bank lines; no full notes. The publication is headed '2024 Audited Financial Statements', but the auditor's report printed with it is on the 'summary financial statements'.
  • FY2023 — published summary of audited statements (summary), signed / final; comparative in the FY2024 filing · source
    • 2024, 2023: figures from a published summary. These columns come from a summary of the audited statements, not the full audited financial statements. The publication is headed 'Societe Generale Ghana PLC 2024 Audited Financial Statements' (p1) and does not itself state that it is extracted; its notes state the statements were prepared under IFRS with the IAS 29 directive of the ICAG and 'the guide for financial publication 2017 issued by the Bank of Ghana' (p2). The auditor's report describes them as 'The bank's summary financial statements derived from the audited financial statements for the year ended 31 December 2024' (p2). Independent auditor's report on the summary financial statements (p2): 'In our opinion, the accompanying summary financial statements of Societe Generale Ghana PLC (the Bank), are consistent, in all material respects, with the audited financial statements of the bank for the year ended 31 December 2024, on the basis described in the notes.' Conducted under ISA 810 (Revised); PricewaterhouseCoopers, 28 February 2025. It states: 'We expressed an unmodified audit opinion on the audited financial statements in our report dated 28 February 2025.' Statements of profit or loss and OCI, financial position, cash flows and changes in equity of the Bank (p1), with short notes, quantitative and qualitative disclosures (p2). Condensed bank lines; no full notes. The publication is headed '2024 Audited Financial Statements', but the auditor's report printed with it is on the 'summary financial statements'.

Income statement

Income statement, GHS units. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Interest income 1,410,114,120 1,357,215,549 1,088,895,175
Interest expense (222,702,856) (234,148,854) (215,486,510)
Net interest income 1,187,411,264 1,123,066,695 873,408,665
Fees and commission income 169,468,925 158,644,102 126,883,065
Fees and commission expense (82,124,280) (83,272,803) (61,369,992)
Net fees and commission income 87,344,645 75,371,299 65,513,073
Net trading income 122,253,401 59,933,937 103,590,162
Net income from other financial instruments carried at fair value1 18,789,938 58,304,970 126,748,506
Other operating (expense)/income23 (59,763,027) 138,874,043 68,568,937
Total other operating income4 81,280,312 257,112,950 298,907,605
Operating income 1,356,036,221 1,455,550,944 1,237,829,343
Net impairment gain/(loss) on financial assets5 33,641,390 (103,267,026) (99,213,609)
Operating income net of impairment charges6 1,389,677,611 1,352,283,918 1,138,615,734
Personnel expense (275,643,494) (244,686,798) (216,591,094)
Depreciation and amortization7 (126,487,549) (71,057,192) (53,987,350)
Other operating expenses (372,781,678) (198,138,976) (206,448,050)
Total operating expenses (774,912,721) (513,882,966) (477,026,494)
Profit before income tax 614,764,890 838,400,952 661,589,240
Income tax expense (217,763,590) (287,101,705) (236,786,258)
Profit after tax expense 397,001,300 551,299,247 424,802,982
Revaluation gain on fixed assets8 –9 508,773,060 –10
Deferred tax11 –9 (127,193,265) –10
Net gain on revaluation on fixed assets –12 Not reported in this filing1413 Not reported in this filing14
Total comprehensive income for the period (net of income tax) 397,001,300 932,879,042 424,365,056
Net gain on revaluation on fixed assets15 –16 381,579,795 –12
Debt instruments at fair value through other comprehensive income-17 Not reported in this filing18 –19 (583,901)
Deferred tax20 Not reported in this filing21 –19 145,975
Debt instruments at FVOCI, net of tax (unlabelled subtotal)22 Not reported in this filing23 –12 (437,926)
  1. Printed “-”, read as nil: subtotal_arithmetic: is.other_comprehensive_income.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_jftthw1yd8zj.oci_revaluation_net.
  3. Printed “-”, read as nil: subtotal_arithmetic: is.total_comprehensive_income.
  4. Printed “-”; reading unresolved, so no amount is shown. Printed dash in the 2025 column, read on the page image (p1); recorded as printed and not interpreted as nil.
  5. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_jftthw1yd8zj.oci_fvoci_debt_net.
Notes and alternative reported figures (18)
  1. “Net income from other financial instruments carried at fair value” is an issuer-specific line, not mapped to a shared definition: Within total other operating income.
  2. “Other operating (expense)/income” is an issuer-specific line, not mapped to a shared definition: Within total other operating income.
  3. Printed under different labels across filings: “Other operating (expense)/income”; “Other operating income”.
  4. “Total other operating income” is an issuer-specific line, not mapped to a shared definition: Net trading, fair-value instrument and other operating income.
  5. Printed under different labels across filings: “Net impairment gain/(loss) on financial assets”; “Net impairment loss on financial assets”.
  6. “Operating income net of impairment charges” is an issuer-specific line, not mapped to a shared definition: Operating income after net impairment.
  7. “Depreciation and amortization” is an issuer-specific line, not mapped to a shared definition: Depreciation and amortisation, one line.
  8. “Revaluation gain on fixed assets” is an issuer-specific line, not mapped to a shared definition: OCI, before deferred tax.
  9. “Deferred tax” is an issuer-specific line, not mapped to a shared definition: Deferred tax on the revaluation gain.
  10. Published summary of audited statements dated 2026-02-27 presents this line for this year: 381,579,795 (p1). Not shown in this column, which follows one filing's presentation.
  11. Not reported in this filing: Not printed as one line: the two OCI items are each shown net of deferred tax, with no OCI total (p1).
  12. “Net gain on revaluation on fixed assets” is an issuer-specific line, not mapped to a shared definition: Revaluation of fixed assets in OCI, net of deferred tax (FY2024 document, where it is one of two OCI items).
  13. “Debt instruments at fair value through other comprehensive income-” is an issuer-specific line, not mapped to a shared definition: OCI item that may be reclassified, before deferred tax (FY2024 document).
  14. Not reported in this filing: Not printed: the 2025 statement of profit or loss and other comprehensive income (p1) has no debt-instruments-at-FVOCI line; its other comprehensive income is the fixed-asset revaluation block (page image and text layer).
  15. “Deferred tax” is an issuer-specific line, not mapped to a shared definition: Deferred tax on the FVOCI debt-instrument movement (FY2024 document).
  16. Not reported in this filing: Not printed: the 2025 statement (p1) has no deferred tax on debt instruments at FVOCI; its only OCI deferred tax line is on the fixed-asset revaluation (a dash for 2025) (page image and text layer).
  17. “Debt instruments at FVOCI, net of tax (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal of the FVOCI debt-instrument movement net of deferred tax (FY2024 document).
  18. Not reported in this filing: Not printed: the 2025 statement (p1) has no debt-instruments-at-FVOCI net subtotal (page image and text layer).

Balance sheet

Balance sheet, GHS units. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Cash and cash equivalents 2,676,280,210 3,579,482,591 2,131,699,314
Non-pledged trading assets 7,620,583 8,794,742 1,742,074
Derivative financial assets –1 2,021,429 –1
Debt instruments at amortised cost 1,505,273,694 780,949,308 1,800,220,862
Loans and advances to customers 4,491,826,540 5,011,684,459 3,987,842,023
Equity investments2 9,368,223 5,513,268 3,503,810
Deferred tax assets –1 7,001,472 111,997,320
Property, plant and equipment 728,276,952 759,572,915 245,151,386
Intangible assets 168,135,948 147,356,438 84,476,574
Current tax assets 11,759,466 Not reported in this filing43 Not reported in this filing5
Other assets 77,558,831 93,914,071 163,193,190
Total assets 9,676,100,447 10,396,290,693 8,529,826,553
Deposits from banks 1,396,221 30,764,480 1,798,457
Deposits from customers 5,843,182,979 6,219,856,675 5,087,136,276
Borrowings 334,350,011 520,138,679 897,959,701
Current tax liabilities –6 54,866,304 15,350,102
Deferred tax liabilities 2,699,849 Not reported in this filing73 Not reported in this filing8
Other liabilities 892,696,228 1,124,782,632 1,014,519,136
Total liabilities 7,074,325,288 7,950,408,770 7,016,823,672
Stated capital 404,245,427 404,245,427 404,245,427
Retained earnings 1,147,812,749 1,041,544,676 559,157,835
Revaluation reserve 505,250,055 505,250,055 123,670,260
Statutory reserve9 544,466,928 494,841,765 425,929,359
Total shareholders’ fund 2,601,775,159 2,445,881,923 1,513,002,881
Total liabilities and shareholders’ fund 9,676,100,447 10,396,290,693 8,529,826,553
Derivative financial liabilities Not reported in this filing10 –6 60,000
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (8)
  1. “Equity investments” is an issuer-specific line, not mapped to a shared definition: Equity investments at fair value.
  2. Published summary of audited statements dated 2026-02-27 presents this line for this year: - (p1). Not shown in this column, which follows one filing's presentation.
  3. Not reported in this filing: Not printed: the 2024 statement of financial position (p1) has no current tax assets line; it shows current tax liabilities (54,866,304) (page image and text layer).
  4. Not reported in this filing: Not printed: the 2024 statement of financial position (p1) has no current tax assets line; it shows current tax liabilities (15,350,102 for 2023) (page image and text layer).
  5. Not reported in this filing: Not printed: the 2024 statement of financial position (p1) has no deferred tax liabilities line; it shows deferred tax assets (page image and text layer).
  6. Not reported in this filing: Not printed: the 2024 statement of financial position (p1) has no deferred tax liabilities line for 2023; it shows deferred tax assets (page image and text layer).
  7. “Statutory reserve” is an issuer-specific line, not mapped to a shared definition: Reserve required by the Banks and Specialised Deposit-Taking Institutions Act.
  8. Not reported in this filing: Not printed: the 2025 statement of financial position (p1) has no derivative financial liabilities line; it prints derivative financial assets only (page image and text layer).

Cash flow

Cash flow, GHS units. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Operating profit before working capital changes1 954,565,722 1,272,727,127 1,306,983,772
Change in non-pledged trading assets2 1,092,391 (6,876,920) 12,390,622
Purchase of investment securities3 (12,426,166,719) (6,825,355,545) (1,697,136,346)
Matured investment securities4 11,699,232,044 7,844,055,214 736,508,509
Change in loans and advances to customers5 544,761,158 (1,137,218,821) (986,677,809)
Change in other assets6 16,355,240 69,279,119 (61,195,657)
Change in deposit from banks7 (29,368,259) 28,966,023 653,059
Change in deposit from customers8 (376,673,696) 1,132,720,399 847,568,076
Change in other liabilities9 (229,933,356) 118,629,428 454,666,490
Change in restricted cash balances10 1,585,762 (149,914,600) (233,941,223)
Changes in operating and other assets and liabilities (unlabelled total)11 (799,115,435) 1,074,284,297 (927,164,279)
Income tax paid (274,688,039) (269,782,920) (300,695,895)
Net cash flows (used in)/generated from operating activities12 (119,237,752) 2,077,228,504 79,123,598
Purchase of property, plant and equipment (45,398,886) (39,982,519) (38,040,950)
Purchase of intangible assets (70,588,711) (99,607,393) (42,445,437)
Proceeds from sale of property,plant and equipment 29,706 439,536 –13
Net cash flows used in investing activities14 (115,957,891) (139,150,376) (80,486,387)
Proceeds from borrowings 1,670,236,200 3,761,870,95015 106,920,000
Repayment of borrowings (1,850,450,361) (4,424,279,318)16 (180,861,734)
Dividend paid (241,108,064) Not reported in this filing1817 Not reported in this filing18
Net cash used in financing activities19 (421,322,225) (662,408,368) (73,941,734)
Change in cash and cash equivalents (656,517,868) 1,275,669,760 (75,304,523)
Effects of exchange rate fluctuations on cash and cash equivalents held (245,312,441) 22,874,491 22,058,110
Cash & cash equivalents at 1 January 2,646,003,890 1,347,459,639 1,400,706,052
Cash and cash equivalents at 31 December 1,744,173,581 2,646,003,890 1,347,459,639
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
Notes and alternative reported figures (18)
  1. “Operating profit before working capital changes” is an issuer-specific line, not mapped to a shared definition: Profit before tax plus non-cash adjustments (p1).
  2. “Change in non-pledged trading assets” is an issuer-specific line, not mapped to a shared definition: Operating.
  3. “Purchase of investment securities” is an issuer-specific line, not mapped to a shared definition: Operating (presented within operating activities).
  4. “Matured investment securities” is an issuer-specific line, not mapped to a shared definition: Operating (presented within operating activities).
  5. “Change in loans and advances to customers” is an issuer-specific line, not mapped to a shared definition: Operating.
  6. “Change in other assets” is an issuer-specific line, not mapped to a shared definition: Operating.
  7. “Change in deposit from banks” is an issuer-specific line, not mapped to a shared definition: Operating.
  8. “Change in deposit from customers” is an issuer-specific line, not mapped to a shared definition: Operating.
  9. “Change in other liabilities” is an issuer-specific line, not mapped to a shared definition: Operating.
  10. “Change in restricted cash balances” is an issuer-specific line, not mapped to a shared definition: Operating.
  11. “Changes in operating and other assets and liabilities (unlabelled total)” is an issuer-specific line, not mapped to a shared definition: Unlabelled total of the changes in operating assets and liabilities (p1).
  12. Printed under different labels across filings: “Net cash flows (used in)/generated from operating activities”; “Net cash flows generated from operating activities”.
  13. Printed under different labels across filings: “Net cash flows (used in)/generated from investing activities”; “Net cash flows used in investing activities”.
  14. Published summary of audited statements dated 2026-02-27 prints 5,801,870,950 (units, p1) for this line and year.
  15. Published summary of audited statements dated 2026-02-27 prints (6,464,279,318) (units, p1) for this line and year.
  16. Published summary of audited statements dated 2026-02-27 presents this line for this year: - (p1). Not shown in this column, which follows one filing's presentation.
  17. Not reported in this filing: Not printed in the summary publication: no dividend line in the cash-flow statement (p1).
  18. Printed under different labels across filings: “Net cash generated from financing activities”; “Net cash used in financing activities”.

Per share and shares

Per share and shares. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Earnings / (loss) per share (per share)1 0.560 0.777 0.599
Notes and alternative reported figures (1)
  1. Earnings / (loss) per share: printed as “Basic earnings per share (Gh¢)”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividend paid (241,108,064) GHS units Summary statements, p1

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Societe Generale Ghana PLC 2025 Audited Financial Statements

    Year ended 31 December 2025 · Published summary of audited statements (summary) · signed / final

    Audit: PricewaterhouseCoopers, Chartered Accountants, Accra (ICAG/F/2026/028), unmodified opinion · signed

    Auditor's sign-off: PricewaterhouseCoopers (firm signature); engagement partner Destiny Selorm Attatsitsey (ICAG/P/1619)

    Final status: An independent auditor's report on the summary financial statements (ISA 810 (Revised)) is printed, signed with a handwritten 'PricewaterhouseCoopers' firm signature above 'PricewaterhouseCoopers (ICAG/F/2026/028), Chartered Accountants, Accra, Ghana, 27 February 2026'; engagement partner Destiny Selorm Attatsitsey (ICAG/P/1619) (PDF p2, page image). The statement of financial position is 'Approved by the Board on 24 February 2026' and hand-signed by the board chair (Margaret Boateng Sekyere) and the managing director (Hakim Ouzzani) (PDF p1, page image). Published by the issuer on its website (newspaper print).

    Document date
    27 Feb 2026
    Auditor's report
    27 Feb 2026
    Board approval
    24 Feb 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025
    Basis
    company statements · GHS units (printed “GH¢”)
    • The directory lists 'Societe Generale Ghana Limited'; the publication prints 'SOCIETE GENERALE GHANA PLC' and states 'Societe Generale Ghana PLC (the Bank) is a public limited liability company incorporated in Ghana under the Companies Act, 2019 (Act 992) ... The Bank is listed on the Ghana Stock Exchange (GSE)' (p2). No registration number or change-of-name statement is printed; the auditor's opinion names 'Societe Generale Plc' (p2).
    • Cash and cash equivalents at 31 December in the cash-flow statement (1,744,173,581; 2024: 2,646,003,890) differ from cash and cash equivalents in the statement of financial position (2,676,280,210; 2024: 3,579,482,591) (p1); no reconciliation is printed. Purchases and maturities of investment securities are presented within operating activities. Interest received and paid are printed as memorandum lines (interest paid as a positive figure), not transcribed.
    • Independent auditor's report on the summary financial statements (p2): 'In our opinion, the accompanying summary financial statements of Societe Generale Plc (the “Bank”), are consistent, in all material respects, with the audited financial statements of the Bank for the year ended 31 December 2025, on the basis described in the notes.' Conducted under ISA 810 (Revised); PricewaterhouseCoopers, 27 February 2026. It states: 'We expressed an unmodified audit opinion on the audited financial statements in our report dated 27 February 2026.'
    • Statements of profit or loss and OCI, financial position, cash flows and changes in equity of the Bank (p1), with short notes, quantitative and qualitative disclosures (p2). Condensed bank lines; no full notes. The publication is headed '2025 Audited Financial Statements', but the auditor's report printed with it is on the 'summary financial statements'.
    Technical details
    File
    2 pages, with a text layer
    SHA-256
    828d2d66e68307c16957a85c06ac16b007c8d659540d88df2e01dfe82496f9da
    Entity as printed
    SOCIETE GENERALE GHANA PLC (the Bank)
    Issuer copy
    retrieved 2026-10-08T20:39:50Z

  • Societe Generale Ghana PLC 2024 Audited Financial Statements

    Year ended 31 December 2024 · Published summary of audited statements (summary) · signed / final

    Audit: PricewaterhouseCoopers, Chartered Accountants, Accra (ICAG/F/2025/028), unmodified opinion · signed

    Auditor's sign-off: PricewaterhouseCoopers (firm signature); engagement partner Michael Asiedu-Antwi (ICAG/P/1138)

    Final status: An independent auditor's report on the summary financial statements (ISA 810 (Revised)) is printed, signed with a handwritten 'PricewaterhouseCoopers' firm signature above 'PricewaterhouseCoopers(ICAG/F/2025/028), Chartered Accountants, Accra, Ghana, 28 February 2025'; engagement partner Michael Asiedu-Antwi (ICAG/P/1138) (PDF p2, page image). The statement of financial position is 'Approved by the Board on 26 February 2025' and hand-signed by the board chair (Margaret Boateng Sekyere) and the managing director (Hakim Ouzzani) (PDF p1, page image). Published by the issuer on its website.

    Document date
    28 Feb 2025
    Auditor's report
    28 Feb 2025
    Board approval
    26 Feb 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2024, FY2023
    Basis
    company statements · GHS units (printed “GH¢”)
    • The directory lists 'Societe Generale Ghana Limited'; the publication prints 'SOCIETE GENERALE GHANA PLC' and states 'Societe Generale Ghana PLC (the Bank) is a public limited liability company incorporated in Ghana under the Companies Act, 2019 (Act 992) ... The Bank is listed on the Ghana Stock Exchange (GSE)' (p2). No registration number or change-of-name statement is printed.
    • Cash and cash equivalents at 31 December in the cash-flow statement (2,646,003,890; 2023: 1,347,459,639) differ from cash and cash equivalents in the statement of financial position (3,579,482,591; 2023: 2,131,699,314) (p1); no reconciliation is printed (the cash-flow statement has a 'Change in restricted cash balances' line). Purchases and maturities of investment securities are presented within operating activities. Interest received and paid are printed as memorandum lines (interest paid as a positive figure), not transcribed. No total other comprehensive income is printed: two OCI items (FVOCI debt instruments, 2023 only; revaluation of fixed assets, 2024 only) are each shown net of deferred tax.
    • The notes state 'The Bank was fined an amount of GH¢300,000 by the Bank of Ghana (BoG) in respect of non compliance with sections of the Banks and Specialized Deposit Act and Anti-Money Laundering related non compliance' (p2).
    • Independent auditor's report on the summary financial statements (p2): 'In our opinion, the accompanying summary financial statements of Societe Generale Ghana PLC (the Bank), are consistent, in all material respects, with the audited financial statements of the bank for the year ended 31 December 2024, on the basis described in the notes.' Conducted under ISA 810 (Revised); PricewaterhouseCoopers, 28 February 2025. It states: 'We expressed an unmodified audit opinion on the audited financial statements in our report dated 28 February 2025.'
    • Statements of profit or loss and OCI, financial position, cash flows and changes in equity of the Bank (p1), with short notes, quantitative and qualitative disclosures (p2). Condensed bank lines; no full notes. The publication is headed '2024 Audited Financial Statements', but the auditor's report printed with it is on the 'summary financial statements'.
    Technical details
    File
    2 pages, with a text layer
    SHA-256
    72844fb09babf6c437567426c4e46be30a264cf9a2eca1b57e36e0d500991b28
    Entity as printed
    SOCIETE GENERALE GHANA PLC (the Bank)
    Issuer copy
    retrieved 2026-10-08T20:40:10Z

Data notes

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Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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