BRVM:SIBC Income Statement

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

Millions XOF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	91,138	89,798	78,814	67,877	74,957
Total Interest Income	91,138	89,798	78,814	67,877	74,957
Interest Paid on Deposits	16,320	16,396	15,504	14,532	16,362
Total Interest Expense	16,320	16,396	15,504	14,532	16,362
Net Interest Income	74,818	73,402	63,310	53,345	58,595
Net Interest Income Growth (YoY)	1.93%	15.94%	18.68%	-8.96%	2.44%
Income From Trading Activities	4,179	3,524	3,263	3,071	2,220
Gain (Loss) on Sale of Assets	-107	28	-208	1,079	-2
Gain (Loss) on Sale of Investments	4,144	859	1,311	2,205	-2,095
Other Non-Interest Income	25,524	24,980	27,686	24,920	17,812
Total Non-Interest Income	33,740	29,391	32,052	31,275	17,935
Non-Interest Income Growth (YoY)	14.80%	-8.30%	2.48%	74.38%	3.95%
Revenues Before Loan Losses	108,558	102,793	95,362	84,620	76,530
Provision for Loan Losses	3,639	5,194	7,992	2,276	1,312
Revenue	104,919	97,599	87,370	82,344	75,218
Revenue Growth (YoY)	7.50%	11.71%	6.10%	9.47%	10.13%
Occupancy Expenses	3,129	3,237	3,800	3,368	3,390
Other Non-Interest Expense	38,802	36,894	34,899	32,613	31,100
Total Non-Interest Expense	41,931	40,131	38,699	35,981	34,490
EBT Excluding Unusual Items	62,988	57,468	48,671	46,363	40,728
Pretax Income	62,988	57,468	48,671	46,363	40,728
Income Tax Expense	7,365	7,234	5,158	6,273	6,697
Net Income	55,623	50,234	43,513	40,090	34,031
Net Income to Common	55,623	50,234	43,513	40,090	34,031
Net Income Growth	10.73%	15.45%	8.54%	17.80%	12.46%
Basic Shares Outstanding	100	100	100	100	100
Diluted Shares Outstanding	100	100	100	100	100
Shares Change (YoY)	-0.07%	0.04%	0.03%	-	-0.04%
EPS (Basic)	556.23	502.00	435.00	400.90	340.31
EPS (Diluted)	556.23	502.00	435.00	400.90	340.31
EPS Growth	10.80%	15.40%	8.51%	17.80%	12.50%
Dividend Per Share	425.000	375.000	-	275.000	225.000
Dividend Growth	13.33%	-	-	22.22%	12.50%
Effective Tax Rate	11.69%	12.59%	10.60%	13.53%	16.44%

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