BRVM:NSBC Income Statement

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

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	-	133,718	102,943	100,086	86,414	84,433
Total Interest Income	-	133,718	102,943	100,086	86,414	84,433
Interest Paid on Deposits	-	52,001	49,048	40,682	31,437	29,838
Total Interest Expense	-	52,001	49,048	40,682	31,437	29,838
Net Interest Income	87,930	81,717	53,895	59,404	54,977	54,595
Net Interest Income Growth (YoY)	63.15%	51.62%	-9.27%	8.05%	0.70%	20.30%
Income From Trading Activities	2,577	2,577	1,851	1,451	876	-1,027
Gain (Loss) on Sale of Assets	375	375	282	1,766	9,186	3,024
Gain (Loss) on Sale of Investments	-	-	-	598	-	-
Other Non-Interest Income	28,634	28,634	42,073	29,549	24,252	23,054
Total Non-Interest Income	31,586	31,586	44,206	33,364	34,314	25,051
Non-Interest Income Growth (YoY)	-28.55%	-28.55%	32.50%	-2.77%	36.98%	-7.16%
Revenues Before Loan Losses	119,516	113,303	98,101	92,768	89,291	79,646
Provision for Loan Losses	8,510	8,510	-537	3,376	4,152	6,048
Revenue	111,006	104,793	98,638	89,392	85,139	73,598
Revenue Growth (YoY)	12.54%	6.24%	10.34%	5.00%	15.68%	30.71%
Occupancy Expenses	8,093	8,093	8,474	7,269	7,132	6,006
Other Non-Interest Expense	55,877	53,554	49,945	45,811	43,467	41,417
Total Non-Interest Expense	63,970	61,647	58,419	53,080	50,599	47,423
EBT Excluding Unusual Items	47,036	43,146	40,219	36,312	34,540	26,175
Pretax Income	47,036	43,146	40,219	36,312	34,540	26,175
Income Tax Expense	2,550	2,434	2,107	1,499	2,158	5,177
Net Income	44,486	40,712	38,112	34,813	32,382	20,998
Net Income to Common	44,486	40,712	38,112	34,813	32,382	20,998
Net Income Growth	16.72%	6.82%	9.48%	7.51%	54.22%	191.60%
Basic Shares Outstanding	25	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25	25
EPS (Basic)	1798.54	1645.96	1540.84	1407.46	1309.18	848.93
EPS (Diluted)	1798.54	1645.96	1540.84	1407.46	1309.18	848.93
EPS Growth	16.72%	6.82%	9.48%	7.51%	54.22%	191.60%
Dividend Per Share	-	-	-	-	404.000	-
Effective Tax Rate	5.42%	5.64%	5.24%	4.13%	6.25%	19.78%