In 2025, NSIA Banque recorded sustained balance sheet growth of 22.4%, reaching FCFA 3,073.06 billion. This expansion was driven primarily, on the asset side, by customer receivables, which grew by 18.4% to FCFA 1,818.67 billion, confirming a highly active commercial dynamic. Interbank loans also increased sharply (+82.4% to FCFA 252.76 billion), reflecting more active liquidity management. On the liabilities side, growth was driven by customer deposits, up 31.8% to FCFA 2,242.22 billion, whilst shareholders' equity improved by 10.4% to FCFA 233.30 billion, strengthening the financial structure and risk absorption capacity.
In terms of performance, the bank recorded a notable 15.4% increase in its Net Banking Income, reaching FCFA 112.93 billion compared to FCFA 97.82 billion in 2024, driven mainly by the rise in interest and similar income (+29.9% to FCFA 133.72 billion). This revenue dynamic absorbed a significant rise in general operating expenses (+7.2% to FCFA 53.55 billion). Gross operating profit thus grew by 30.2% to FCFA 51.28 billion, whilst the cost of risk remained elevated but controlled at FCFA 8.51 billion. Ultimately, net profit stood at FCFA 40.71 billion, an improvement of 6.8% compared to the FCFA 38.11 billion recorded in 2024, confirming positive value creation, albeit more moderate than balance sheet growth, which calls for increased vigilance regarding marginal profitability and medium-term operational efficiency.
(Source: FGI Research & Studies – NSIA Banque CI Annual Financial Statements 2025)