Ecobank Transnational Income Statement

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

Millions USD. 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	2,022	1,850	1,865	1,598	1,466	1,390
Interest Income on Investments	1.16	0.5	1.35	19.14	7.96	-
Total Interest Income	2,023	1,851	1,866	1,617	1,474	1,390
Interest Paid on Deposits	671.71	675.34	697.43	603.75	529.12	483.21
Net Interest Income	1,351	1,175	1,169	1,014	944.43	907.23
Net Interest Income Growth (YoY)	17.86%	0.57%	15.29%	7.33%	4.10%	21.01%
Income From Trading Activities	41.21	-	-	310.61	295.62	346.28
Gain (Loss) on Sale of Assets	2.47	2.56	3.16	25.21	15.78	1.93
Gain (Loss) on Sale of Investments	3.25	-1.68	9.56	13.23	19.11	-28.85
Other Non-Interest Income	959.29	912.77	879.88	498.92	481.78	409.21
Total Non-Interest Income	1,006	913.65	892.6	847.96	812.28	728.56
Non-Interest Income Growth (YoY)	11.03%	2.36%	5.26%	4.39%	11.49%	-14.17%
Revenues Before Loan Losses	2,357	2,089	2,061	1,862	1,757	1,636
Provision for Loan Losses	393.39	323.61	329.94	198.07	217.68	181.56
Revenue	1,964	1,765	1,731	1,664	1,539	1,454
Revenue Growth (YoY)	11.35%	1.97%	4.07%	8.09%	5.83%	-2.32%
Salaries and Employee Benefits	478.82	450.43	462.8	447.36	454.94	462.99
Occupancy Expenses	80.44	79.28	90.15	101.28	108.67	104.21
Selling, General & Administrative	46.65	46.65	43.09	39.59	39.09	-
Other Non-Interest Expense	544.78	538.7	523.83	509.46	432.01	486.84
Total Non-Interest Expense	1,150	1,115	1,120	1,097	1,035	1,054
EBT Excluding Unusual Items	813.82	650.42	611.58	566.48	503.84	399.89
Asset Writedown	0.1	0.1	2.42	0.13	-	-2.73
Other Unusual Items	-	-	-39.95	-33.89	-25.85	-59.28
Pretax Income	813.91	650.52	574.05	532.72	477.99	174.32
Income Tax Expense	210.2	164.2	174.44	173.34	122.28	89.34
Earnings From Continuing Operations	603.71	486.32	399.61	359.38	355.71	84.98
Earnings From Discontinued Operations	-3.43	-	-	-	0.89	1.8
Minority Interest in Earnings	-188.93	-153.14	-111.79	-72.95	-94.37	-82.58
Net Income	411.34	333.18	287.82	286.43	262.23	4.2
Net Income to Common	411.34	333.18	287.82	286.43	262.23	4.2
Net Income Growth	39.09%	15.76%	0.49%	9.23%	6140.70%	-97.83%
Basic Shares Outstanding	24,593	24,593	24,593	24,593	24,593	24,593
Diluted Shares Outstanding	24,593	24,593	24,593	24,593	24,593	24,593
EPS (Basic)	0.02	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.02	0.01	0.01	0.01	0.01	0.00
EPS Growth	39.13%	15.80%	0.46%	9.22%	6172.35%	-97.84%
Dividend Per Share	-	-	-	0.001	0.002	-
Dividend Growth	-	-	-	-31.25%	-	-
Effective Tax Rate	25.83%	25.24%	30.39%	32.54%	25.58%	51.25%

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