Ecobank Transnational Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	2,240	2,085	1,849	1,865	1,598	1,466
Interest Income on Investments	11.13	12.08	0.5	1.35	19.14	7.96
Total Interest Income	2,251	2,097	1,850	1,866	1,617	1,474
Interest Paid on Deposits	718.49	685.95	675.21	697.43	603.75	529.12
Net Interest Income	1,532	1,411	1,174	1,169	1,014	944.43
Net Interest Income Growth	13.50%	20.15%	0.50%	15.29%	7.33%	4.10%
Income From Trading Activities	21.81	-	-	-	310.61	295.62
Gain (Loss) on Sale of Assets	0.75	0.75	2.56	3.16	25.21	15.78
Gain (Loss) on Sale of Investments	5.5	5.5	-1.68	9.56	13.23	19.11
Other Non-Interest Income	1,098	1,031	910.6	879.88	498.92	481.78
Total Non-Interest Income	1,127	1,037	911.48	892.6	847.96	812.28
Non-Interest Income Growth	12.20%	13.82%	2.12%	5.26%	4.39%	11.49%
Revenues Before Loan Losses	2,659	2,449	2,086	2,061	1,862	1,757
Provision for Loan Losses	497.11	464.63	322.36	329.94	198.07	217.68
Revenue	2,162	1,984	1,764	1,731	1,664	1,539
Revenue Growth	10.18%	12.50%	1.87%	4.07%	8.09%	5.83%
Salaries and Employee Benefits	559.33	514.04	447.38	462.8	447.36	454.94
Occupancy Expenses	83.13	80.41	78.85	90.15	101.28	108.67
Selling, General & Administrative	-	-	-	43.09	39.59	39.09
Other Non-Interest Expense	645.67	596.6	583.01	523.83	509.46	432.01
Total Non-Interest Expense	1,288	1,191	1,109	1,120	1,097	1,035
EBT Excluding Unusual Items	873.59	793.24	654.46	611.58	566.48	503.84
Asset Writedown	0.35	0.35	0.1	2.42	0.13	-
Other Unusual Items	-	-	-	-39.95	-33.89	-25.85
Pretax Income	873.94	793.59	654.55	574.05	532.72	477.99
Income Tax Expense	225.78	200.62	164.12	174.44	173.34	122.28
Earnings From Continuing Operations	648.16	592.97	490.43	399.61	359.38	355.71
Earnings From Discontinued Operations	-	-6.09	-4.07	-	-	0.89
Minority Interest in Earnings	-186.92	-179.74	-153.19	-111.79	-72.95	-94.37
Net Income	461.24	407.14	333.18	287.82	286.43	262.23
Net Income to Common	461.24	407.14	333.18	287.82	286.43	262.23
Net Income Growth	12.13%	22.20%	15.76%	0.49%	9.23%	6140.70%
Basic Shares Outstanding	24,595	24,593	24,593	24,593	24,593	24,593
Diluted Shares Outstanding	24,595	24,593	24,593	24,593	24,593	24,593
Shares Change	0.00%	-	-	-	-	-
EPS (Basic)	0.02	0.02	0.01	0.01	0.01	0.01
EPS (Diluted)	0.02	0.02	0.01	0.01	0.01	0.01
EPS Growth	12.11%	22.21%	15.77%	0.46%	9.22%	6172.35%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	0.002	0.002	-	-	0.001	0.002
Dividend Growth	-	-	-	-	-31.25%	-
Effective Tax Rate	25.84%	25.28%	25.07%	30.39%	32.54%	25.58%