Ecobank Côte d'Ivoire (BRVM:ECOC)

Ecobank Côte d'Ivoire Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	109,474	101,361	87,173	79,341	78,771
Interest Paid on Deposits	-	29,794	28,041	23,400	19,213	20,347
Net Interest Income	90,067	79,680	73,320	63,773	60,128	58,424
Net Interest Income Growth (YoY)	16.57%	8.67%	14.97%	6.06%	2.92%	-2.42%
Income From Trading Activities	7,209	7,209	4,879	10,002	10,259	11,861
Gain (Loss) on Sale of Assets	28	28	-60	1,173	-305	297
Gain (Loss) on Sale of Investments	3,912	3,912	1,752	1,670	2,509	369
Other Non-Interest Income	30,952	31,515	30,238	23,710	17,649	15,868
Total Non-Interest Income	42,101	42,664	36,809	36,555	30,112	28,395
Non-Interest Income Growth (YoY)	5.85%	15.91%	0.69%	21.40%	6.05%	20.56%
Revenues Before Loan Losses	132,168	122,344	110,129	100,328	90,240	86,819
Provision for Loan Losses	2,107	2,935	5,933	5,782	11,974	10,804
Revenue	130,061	119,409	104,196	94,546	78,266	76,015
Revenue Growth (YoY)	14.55%	14.60%	10.21%	20.80%	2.96%	5.42%
Occupancy Expenses	2,657	2,657	2,543	2,747	2,838	2,649
Selling, General & Administrative	52,320	52,320	47,332	42,258	39,808	40,955
Other Non-Interest Expense	3,040	-	-	-	-	1
Total Non-Interest Expense	58,017	54,977	49,875	45,005	42,646	43,605
EBT Excluding Unusual Items	72,044	64,432	54,321	49,541	35,620	32,410
Pretax Income	72,044	64,432	54,321	49,541	35,620	32,410
Income Tax Expense	8,621	6,955	6,250	4,943	1,316	2,392
Net Income	63,423	57,477	48,071	44,598	34,304	30,018
Net Income to Common	63,423	57,477	48,071	44,598	34,304	30,018
Net Income Growth	26.17%	19.57%	7.79%	30.01%	14.28%	18.34%
Dividend Per Share	-	804.000	-	610.000	467.000	-
Dividend Growth	-	-	-	30.62%	-	-
Effective Tax Rate	11.97%	10.79%	11.51%	9.98%	3.69%	7.38%

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