BRVM:BICB Income Statement

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

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	100,361	81,836	67,772	35,853	22,267
Interest Paid on Deposits	59,548	46,688	33,639	15,296	10,231
Net Interest Income	40,813	35,148	34,133	20,557	12,036
Net Interest Income Growth (YoY)	16.12%	2.97%	66.04%	70.80%	-
Income From Trading Activities	-	-1,134	-206	478	304
Gain (Loss) on Sale of Assets	-	79	1	8	-34
Gain (Loss) on Sale of Investments	80	-	-	-	-
Other Non-Interest Income	11,911	11,193	5,269	3,174	2,558
Total Non-Interest Income	11,991	10,138	5,064	3,660	2,828
Non-Interest Income Growth (YoY)	18.28%	100.20%	38.36%	29.42%	-
Revenues Before Loan Losses	52,804	45,286	39,197	24,217	14,864
Provision for Loan Losses	-5,075	-2,411	-586	3,244	1,495
Revenue	57,879	47,697	39,783	20,973	13,369
Revenue Growth (YoY)	21.35%	19.89%	89.69%	56.88%	-
Salaries and Employee Benefits	4,239	-	-	-	-
Occupancy Expenses	2,838	2,289	1,506	2,142	1,749
Selling, General & Administrative	9,357	-	-	-	-
Other Non-Interest Expense	-1	12,669	10,252	7,723	5,735
Total Non-Interest Expense	16,433	14,958	11,758	9,865	7,484
EBT Excluding Unusual Items	41,446	32,739	28,025	11,108	5,885
Pretax Income	41,446	32,739	28,025	11,108	5,885
Income Tax Expense	5,209	2,398	755	403	109
Net Income	36,237	30,341	27,270	10,705	5,776
Net Income to Common	36,237	30,341	27,270	10,705	5,776
Net Income Growth	19.43%	11.26%	154.74%	85.34%	-
Effective Tax Rate	12.57%	7.32%	2.69%	3.63%	1.85%