BK Group Income Statement

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

Millions RWF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	289,576	277,876	251,119	216,865	187,449	176,573
Interest Paid on Deposits	53,117	57,417	60,459	51,453	49,673	40,301
Net Interest Income	236,459	220,459	190,660	165,412	137,776	136,271
Net Interest Income Growth	17.14%	15.63%	15.26%	20.06%	1.10%	20.82%
Gain (Loss) on Sale of Assets	338.07	338.07	141.65	122.88	-	-
Other Non-Interest Income	69,849	63,949	70,921	65,169	43,757	37,895
Total Non-Interest Income	70,187	64,287	71,062	65,292	43,757	37,895
Non-Interest Income Growth	13.00%	-9.53%	8.84%	49.22%	15.47%	41.38%
Revenues Before Loan Losses	306,646	284,746	261,723	230,705	181,532	174,167
Provision for Loan Losses	22,283	15,783	33,214	18,607	10,007	34,069
Revenue	284,363	268,963	228,509	212,098	171,526	140,098
Revenue Growth	21.34%	17.70%	7.74%	23.65%	22.43%	36.72%
Salaries and Employee Benefits	51,257	52,857	46,668	42,826	33,387	31,333
Occupancy Expenses	13,388	12,488	10,909	10,246	8,286	6,543
Selling, General & Administrative	46,855	39,755	36,861	46,159	35,695	22,734
Other Non-Interest Expense	7,706	6,406	7,767	3,154	5,571	2,607
Total Non-Interest Expense	119,206	111,506	102,204	102,386	82,939	63,217
EBT Excluding Unusual Items	165,158	157,458	126,305	109,712	88,586	76,881
Pretax Income	165,158	157,458	126,305	109,712	88,586	76,881
Income Tax Expense	50,559	47,359	35,073	34,894	28,730	24,986
Earnings From Continuing Operations	114,598	110,098	91,232	74,818	59,856	51,895
Minority Interest in Earnings	-1,411	-1,411	-1,338	-948.32	-869.34	-817.22
Net Income	113,187	108,687	89,894	73,869	58,986	51,078
Preferred Dividends & Other Adjustments	-1,413	-1,413	-	-	-	-
Net Income to Common	114,601	110,101	89,894	73,869	58,986	51,078
Net Income Growth	22.18%	22.48%	21.69%	25.23%	15.48%	34.73%
Basic Shares Outstanding	930	935	931	928	919	905
Diluted Shares Outstanding	930	935	931	928	919	905
Shares Change	-	0.45%	0.26%	1.05%	1.54%	-
EPS (Basic)	123.23	117.79	96.61	79.59	64.22	56.47
EPS (Diluted)	123.23	117.79	96.61	79.59	64.22	56.47
EPS Growth	22.18%	21.93%	21.38%	23.93%	13.73%	34.73%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	41.840	53.040	29.340	32.620	32.500	28.700
Dividend Growth	38.45%	80.78%	-10.05%	0.37%	13.24%	-
Effective Tax Rate	30.61%	30.08%	27.77%	31.80%	32.43%	32.50%