BRVM:BOABF Income Statement

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

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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	-	65,383	45,526	41,988	56,101	53,392
Interest Income on Investments	-	-	18,311	18,356	-	-
Total Interest Income	-	65,383	63,837	60,343	56,101	53,392
Interest Paid on Deposits	-	28,504	21,185	21,871	23,885	23,104
Interest Paid on Borrowings	-	-	6,097	2,514	-	-
Total Interest Expense	-	28,504	27,282	24,385	23,885	23,104
Net Interest Income	37,244	36,879	36,554	35,959	32,216	30,288
Net Interest Income Growth (YoY)	7.84%	0.89%	1.66%	11.62%	6.37%	14.19%
Income From Trading Activities	5,478	5,478	-	-	2,854	2,660
Gain (Loss) on Sale of Assets	46.34	46.34	70.04	-40.69	79.67	-172.91
Gain (Loss) on Sale of Investments	509.7	509.7	465.08	664.07	1,424	-103.46
Other Non-Interest Income	14,623	14,623	23,557	20,023	14,334	14,523
Total Non-Interest Income	20,657	20,657	24,092	20,647	18,692	16,907
Non-Interest Income Growth (YoY)	-14.26%	-14.26%	16.69%	10.46%	10.56%	4.13%
Revenues Before Loan Losses	57,901	57,536	60,646	56,605	50,908	47,195
Provision for Loan Losses	4,303	4,303	332.17	3,328	4,476	5,275
Revenue	53,598	53,233	60,314	53,277	46,432	41,920
Revenue Growth (YoY)	-8.06%	-11.74%	13.21%	14.74%	10.76%	3.00%
Salaries and Employee Benefits	-	-	9,367	8,364	-	-
Occupancy Expenses	1,803	1,803	1,708	1,719	1,982	2,061
Selling, General & Administrative	-	-	14,934	13,933	-	-
Other Non-Interest Expense	32,121	25,686	-0.07	-1.95	20,062	20,180
Total Non-Interest Expense	33,925	27,490	26,010	24,014	22,045	22,240
EBT Excluding Unusual Items	19,674	25,744	34,304	29,263	24,388	19,679
Pretax Income	19,674	25,744	34,304	29,263	24,388	19,679
Income Tax Expense	2,403	3,324	5,242	3,786	3,143	2,071
Net Income	17,270	22,419	29,063	25,477	21,245	17,608
Net Income to Common	17,270	22,419	29,063	25,477	21,245	17,608
Net Income Growth	-31.89%	-22.86%	14.07%	19.92%	20.65%	-4.88%
Basic Shares Outstanding	44	44	44	44	44	44
Diluted Shares Outstanding	44	44	44	44	44	44
Shares Change (YoY)	-	-0.00%	-0.00%	0.00%	-	-
EPS (Basic)	392.51	509.53	660.50	579.00	482.83	400.18
EPS (Diluted)	392.51	509.53	660.50	579.00	482.83	400.18
EPS Growth	-31.89%	-22.86%	14.08%	19.92%	20.65%	-
Dividend Per Share	-	490.000	402.500	329.500	256.000	211.500
Dividend Growth	-	21.74%	22.16%	28.71%	21.04%	-
Effective Tax Rate	12.22%	12.91%	15.28%	12.94%	12.89%	10.53%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.