As at 31 December 2025, ETI TG confirms that it continues to strengthen its fundamentals, driven by solid growth in its core business and a sustained improvement in profitability. Net banking income rose by 12.45% to 1,424.26 billion CFA francs, reflecting strong revenue momentum, whilst gross operating profit recorded a more pronounced increase of 23.15%, demonstrating improved operational leverage and gradual cost control. This performance is reflected in the results, with profit before tax up 15.91% to 465.78 billion CFA francs and net profit of 345.52 billion CFA francs (+15.29%), confirming robust and recurring profitability.
In terms of the balance sheet, growth remains balanced. Loans to customers rose moderately by 5.04%, whilst deposits increased by 9.50%, improving the funding structure. This trend has resulted in a fall in the loan-to-deposit ratio to 46.53%, reflecting comfortable liquidity and greater scope to support the financing of the economy, whilst maintaining the Group’s risk profile.
(Source: FGI Studies and Research – ETI TOGO 2025 Financial Statements)