BK Group Income Statement

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

Millions RWF. 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	270,419	251,119	216,865	187,449	176,573	145,491
Interest Paid on Deposits	60,859	60,459	51,453	49,673	40,301	32,698
Net Interest Income	209,560	190,660	165,412	137,776	136,271	112,793
Net Interest Income Growth (YoY)	12.68%	15.26%	20.06%	1.10%	20.82%	19.01%
Gain (Loss) on Sale of Assets	962.7	962.7	122.88	-	-	300.28
Other Non-Interest Income	61,350	67,050	65,038	43,757	37,895	26,504
Total Non-Interest Income	62,313	68,013	65,161	43,757	37,895	26,804
Non-Interest Income Growth (YoY)	-8.20%	4.38%	48.92%	15.47%	41.38%	2.32%
Revenues Before Loan Losses	271,873	258,673	230,573	181,532	174,167	139,597
Provision for Loan Losses	22,926	34,026	18,607	10,007	34,069	37,129
Revenue	248,948	224,648	211,967	171,526	140,098	102,468
Revenue Growth (YoY)	9.50%	5.98%	23.58%	22.43%	36.72%	-0.60%
Salaries and Employee Benefits	50,868	46,668	42,826	33,387	31,333	23,233
Occupancy Expenses	11,309	10,909	10,246	8,286	6,543	3,699
Selling, General & Administrative	36,490	37,990	46,028	35,695	22,734	15,709
Other Non-Interest Expense	3,077	2,977	3,154	5,571	2,607	2,761
Total Non-Interest Expense	101,744	98,544	102,255	82,939	63,217	45,402
EBT Excluding Unusual Items	147,204	126,104	109,712	88,586	76,881	57,066
Pretax Income	147,204	126,104	109,712	88,586	76,881	57,066
Income Tax Expense	42,373	35,073	34,894	28,730	24,986	18,633
Earnings From Continuing Operations	104,831	91,031	74,818	59,856	51,895	38,433
Minority Interest in Earnings	-1,338	-1,338	-948.32	-869.34	-817.22	-521.95
Net Income	103,493	89,693	73,869	58,986	51,078	37,911
Net Income to Common	103,493	89,693	73,869	58,986	51,078	37,911
Net Income Growth	17.25%	21.42%	25.23%	15.48%	34.73%	2.67%
Basic Shares Outstanding	930	931	928	919	905	905
Diluted Shares Outstanding	930	931	928	919	905	905
Shares Change (YoY)	-	0.26%	1.05%	1.54%	-	-
EPS (Basic)	111.28	96.39	79.59	64.22	56.47	41.91
EPS (Diluted)	111.28	96.39	79.59	64.22	56.47	41.91
EPS Growth	17.25%	21.11%	23.93%	13.73%	34.73%	2.67%
Dividend Per Share	30.220	29.340	32.620	32.500	28.700	-
Dividend Growth	-12.41%	-10.05%	0.37%	13.24%	-	-
Effective Tax Rate	28.79%	27.81%	31.80%	32.43%	32.50%	32.65%

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