Oragroup Income Statement

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

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 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	-	226,597	252,870	235,346	198,661	162,621
Interest Paid on Deposits	-	128,425	135,927	113,431	95,865	81,107
Total Interest Expense	-	128,425	135,927	113,431	95,865	81,107
Net Interest Income	95,837	98,172	116,943	121,915	102,796	81,514
Net Interest Income Growth (YoY)	-13.78%	-16.05%	-4.08%	18.60%	26.11%	11.96%
Gain (Loss) on Sale of Assets	156	156	1,020	505	7	424
Gain (Loss) on Sale of Investments	-13	-13	-343	-	-86	33
Other Non-Interest Income	97,277	97,277	98,680	100,517	84,604	73,847
Total Non-Interest Income	97,420	97,420	99,357	101,022	84,525	74,304
Non-Interest Income Growth (YoY)	-1.95%	-1.95%	-1.65%	19.52%	13.76%	-0.40%
Revenues Before Loan Losses	193,257	195,592	216,300	222,937	187,321	155,818
Provision for Loan Losses	48,975	69,056	96,231	59,790	42,560	39,555
Revenue	144,282	126,536	120,069	163,147	144,761	116,263
Revenue Growth (YoY)	-7.92%	5.39%	-26.40%	12.70%	24.51%	-6.77%
Salaries and Employee Benefits	71,214	71,214	67,228	61,318	52,394	46,341
Occupancy Expenses	18,011	18,011	15,708	15,450	13,321	9,115
Selling, General & Administrative	-17,131	-	-	-	10,526	9,247
Other Non-Interest Expense	82,019	81,920	68,368	60,946	41,382	35,860
Total Non-Interest Expense	154,113	171,145	151,304	137,714	117,623	100,563
EBT Excluding Unusual Items	-9,831	-44,609	-31,235	25,433	27,138	15,700
Pretax Income	-9,831	-44,609	-31,235	25,433	27,138	15,700
Income Tax Expense	2,396	-245	-13,049	6,234	7,340	6,260
Earnings From Continuing Operations	-12,227	-44,364	-18,186	19,199	19,798	9,440
Minority Interest in Earnings	6,499	6,499	-1,274	-10,450	-9,034	-9,122
Net Income	-5,728	-37,865	-19,460	8,749	10,764	318
Net Income to Common	-5,728	-37,865	-19,460	8,749	10,764	318
Net Income Growth	-	-	-	-18.72%	3284.91%	-98.05%
Basic Shares Outstanding	-	69	70	-	70	69
Diluted Shares Outstanding	-	69	70	-	70	69
Shares Change (YoY)	-	-0.03%	-	-	0.15%	-
EPS (Basic)	-	-545.00	-280.00	-	154.83	4.58
EPS (Diluted)	-	-545.00	-280.00	-	154.83	4.58
EPS Growth	-	-	-	-	3279.71%	-96.76%
Effective Tax Rate	-	-	-	24.51%	27.05%	39.87%

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