BRVM:BOABF 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	62,860	65,383	45,526	41,988	56,101
Interest Income on Investments	-	-	18,311	18,356	-
Total Interest Income	62,860	65,383	63,837	60,343	56,101
Interest Paid on Deposits	24,633	28,504	21,185	21,871	23,885
Interest Paid on Borrowings	-	-	6,097	2,514	-
Total Interest Expense	24,633	28,504	27,282	24,385	23,885
Net Interest Income	38,226	36,879	36,554	35,959	32,216
Net Interest Income Growth (YoY)	3.65%	0.89%	1.66%	11.62%	6.37%
Income From Trading Activities	3,183	5,478	-	-	2,854
Gain (Loss) on Sale of Assets	-105.93	46.34	70.04	-40.69	79.67
Gain (Loss) on Sale of Investments	970.56	509.7	465.08	664.07	1,424
Other Non-Interest Income	15,440	14,623	23,557	20,023	14,334
Total Non-Interest Income	19,487	20,657	24,092	20,647	18,692
Non-Interest Income Growth (YoY)	-5.66%	-14.26%	16.69%	10.46%	10.56%
Revenues Before Loan Losses	57,714	57,536	60,646	56,605	50,908
Provision for Loan Losses	8,355	4,303	332.17	3,328	4,476
Revenue	49,359	53,233	60,314	53,277	46,432
Revenue Growth (YoY)	-7.28%	-11.74%	13.21%	14.74%	10.76%
Salaries and Employee Benefits	-	-	9,367	8,364	-
Occupancy Expenses	1,865	1,803	1,708	1,719	1,982
Selling, General & Administrative	-	-	14,934	13,933	-
Other Non-Interest Expense	25,418	25,686	-0.07	-1.95	20,062
Total Non-Interest Expense	27,283	27,490	26,010	24,014	22,045
EBT Excluding Unusual Items	22,076	25,744	34,304	29,263	24,388
Pretax Income	22,076	25,744	34,304	29,263	24,388
Income Tax Expense	2,824	3,324	5,242	3,786	3,143
Net Income	19,252	22,419	29,063	25,477	21,245
Net Income to Common	19,252	22,419	29,063	25,477	21,245
Net Income Growth	-14.13%	-22.86%	14.07%	19.92%	20.65%
Basic Shares Outstanding	44	44	44	44	44
Diluted Shares Outstanding	44	44	44	44	44
Shares Change (YoY)	-	-0.00%	-0.00%	0.00%	-
EPS (Basic)	437.55	509.53	660.50	579.00	482.83
EPS (Diluted)	437.55	509.53	660.50	579.00	482.83
EPS Growth	-14.13%	-22.86%	14.08%	19.92%	20.65%
Dividend Per Share	-	490.000	402.500	329.500	256.000
Dividend Growth	-	21.74%	22.16%	28.71%	21.04%
Effective Tax Rate	12.79%	12.91%	15.28%	12.94%	12.89%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.