BRVM:NSBC Income Statement

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

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	102,943	100,086	86,414	84,433	73,839
Total Interest Income	102,943	100,086	86,414	84,433	73,839
Interest Paid on Deposits	49,048	40,682	31,437	29,838	28,458
Total Interest Expense	49,048	40,682	31,437	29,838	28,458
Net Interest Income	53,895	59,404	54,977	54,595	45,381
Net Interest Income Growth (YoY)	-9.27%	8.05%	0.70%	20.30%	11.15%
Income From Trading Activities	1,851	1,451	876	-1,027	3,937
Gain (Loss) on Sale of Assets	282	1,766	9,186	3,024	999
Gain (Loss) on Sale of Investments	-	598	-	-	-
Other Non-Interest Income	42,073	29,549	24,252	23,054	22,046
Total Non-Interest Income	44,206	33,364	34,314	25,051	26,982
Non-Interest Income Growth (YoY)	32.50%	-2.77%	36.98%	-7.16%	20.87%
Revenues Before Loan Losses	98,101	92,768	89,291	79,646	72,363
Provision for Loan Losses	-537	3,376	4,152	6,048	16,058
Revenue	98,638	89,392	85,139	73,598	56,305
Revenue Growth (YoY)	10.34%	5.00%	15.68%	30.71%	-3.62%
Occupancy Expenses	8,474	7,269	7,132	6,006	6,555
Other Non-Interest Expense	49,945	45,811	43,467	41,417	40,921
Total Non-Interest Expense	58,419	53,080	50,599	47,423	47,476
EBT Excluding Unusual Items	40,219	36,312	34,540	26,175	8,829
Pretax Income	40,219	36,312	34,540	26,175	8,829
Income Tax Expense	2,107	1,499	2,158	5,177	1,628
Net Income	38,112	34,813	32,382	20,998	7,201
Net Income to Common	38,112	34,813	32,382	20,998	7,201
Net Income Growth	9.48%	7.51%	54.22%	191.60%	-47.12%
Basic Shares Outstanding	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25
Shares Change (YoY)	-	-	-	-	6.75%
EPS (Basic)	1540.84	1407.46	1309.18	848.93	291.13
EPS (Diluted)	1540.84	1407.46	1309.18	848.93	291.13
EPS Growth	9.48%	7.51%	54.22%	191.60%	-50.46%
Dividend Per Share	-	-	404.000	-	-
Effective Tax Rate	5.24%	4.13%	6.25%	19.78%	18.44%

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