As at 31 December 2025, Ecobank Côte d’Ivoire confirmed the strength of its business model and the quality of its operational performance. Net banking income rose by 8.5% to 132.73 billion CFA francs, driven by sustained commercial momentum and a strong contribution from financing and services activities, whilst the faster growth in gross operating profit (+12.6%) reflects positive operational leverage and greater control over costs. The marked improvement in the net cost of risk, down by 38.7 per cent, is a particularly positive sign, reflecting both the improved quality of the loan portfolio and a prudent provisioning policy. This combination has resulted in robust growth in pre-tax profit (+14.9%) and net profit (+10.4%) to 63.48 billion CFA francs, confirming high and recurring profitability.
In terms of the balance sheet, growth remains healthy and balanced. Net customer loans rose by 8.0%, whilst deposits grew at a faster rate (+15.1%), leading to a fall in the loan-to-deposit ratio to 64.62% – a sign of improved liquidity and the bank’s enhanced capacity to finance the economy whilst maintaining a controlled risk profile.
(Source: FGI Studies and Research – ECOC 2025 Financial Statements)