Bank Of Africa Senegal 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	49,353	48,923	46,627	39,947	36,655
Total Interest Income	49,353	48,923	46,627	39,947	36,655
Interest Paid on Deposits	18,648	19,253	18,050	14,542	13,521
Total Interest Expense	18,648	19,253	18,050	14,542	13,521
Net Interest Income	30,705	29,670	28,577	25,405	23,134
Net Interest Income Growth (YoY)	3.49%	3.82%	12.49%	9.82%	21.97%
Income From Trading Activities	-	-	2	-	8
Gain (Loss) on Sale of Assets	417	215	1,023	1	143
Gain (Loss) on Sale of Investments	1,382	53	-261	34	318
Other Non-Interest Income	19,839	19,943	17,108	15,064	12,266
Total Non-Interest Income	21,638	20,211	17,872	15,099	12,735
Non-Interest Income Growth (YoY)	7.06%	13.09%	18.37%	18.56%	15.06%
Revenues Before Loan Losses	52,343	49,881	46,449	40,504	35,869
Provision for Loan Losses	4,346	4,429	4,070	6,081	6,617
Revenue	47,997	45,452	42,379	34,423	29,252
Revenue Growth (YoY)	5.60%	7.25%	23.11%	17.68%	10.22%
Occupancy Expenses	2,690	2,876	2,750	2,443	2,348
Other Non-Interest Expense	20,167	19,688	20,702	16,260	15,829
Total Non-Interest Expense	22,857	22,564	23,452	18,703	18,177
EBT Excluding Unusual Items	25,140	22,888	18,927	15,720	11,075
Pretax Income	25,140	22,888	18,927	15,720	11,075
Income Tax Expense	3,235	2,904	1,905	139	5
Net Income	21,905	19,984	17,022	15,581	11,070
Net Income to Common	21,905	19,984	17,022	15,581	11,070
Net Income Growth	9.61%	17.40%	9.25%	40.75%	44.39%
Basic Shares Outstanding	-	36	36	36	-
Diluted Shares Outstanding	-	36	36	36	-
EPS (Basic)	-	555.11	472.83	432.81	-
EPS (Diluted)	-	555.11	472.83	432.81	-
EPS Growth	-	17.40%	9.25%	-	-
Dividend Per Share	-	389.000	222.222	138.889	-
Dividend Growth	-	75.05%	60.00%	-	-
Effective Tax Rate	12.87%	12.69%	10.06%	0.88%	0.04%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.