BRVM:BBGC Income Statement

Financials in millions XOF. Fiscal year is January - December.

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	47,419	41,562	40,978	34,385	28,240
Interest Paid on Deposits	15,975	14,053	12,978	9,492	7,621
Net Interest Income	31,444	27,509	28,000	24,893	20,619
Net Interest Income Growth	14.30%	-1.75%	12.48%	20.73%	8.08%
Income From Trading Activities	-172	-3,680	-2,700	122	-407
Gain (Loss) on Sale of Assets	261	145	308	315	343
Gain (Loss) on Sale of Investments	831	-272	285	-	25
Other Non-Interest Income	17,992	20,180	16,799	10,615	7,821
Total Non-Interest Income	18,912	16,373	14,692	11,052	7,782
Non-Interest Income Growth	15.51%	11.44%	32.93%	42.02%	7.87%
Revenues Before Loan Losses	50,356	43,882	42,692	35,945	28,401
Provision for Loan Losses	3,803	1,478	2,275	1,177	561
Revenue	46,553	42,404	40,417	34,768	27,840
Revenue Growth	9.78%	4.92%	16.25%	24.88%	18.41%
Occupancy Expenses	2,562	3,164	3,338	2,641	2,156
Selling, General & Administrative	-	-	-	12,409	-
Other Non-Interest Expense	16,758	16,191	15,959	-	11,520
Total Non-Interest Expense	19,320	19,355	19,297	15,050	13,676
EBT Excluding Unusual Items	27,233	23,049	21,120	19,718	14,164
Pretax Income	27,233	23,049	21,120	19,718	14,164
Income Tax Expense	5,084	4,280	3,641	4,609	3,344
Net Income	22,149	18,769	17,479	15,109	10,820
Net Income to Common	22,149	18,769	17,479	15,109	10,820
Net Income Growth	18.01%	7.38%	15.69%	39.64%	37.03%

Additional Metrics

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Effective Tax Rate	18.67%	18.57%	17.24%	23.38%	23.61%