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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; matched to OCR text of the page image; read from the page image) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

BAI

No ticker printed · Bolsa de Dívida e Valores de Angola · Consolidated statements

On this page
Company details
Legal name
Banco Angolano de Investimentos, S.A.
Listing
No ticker printed on the Bolsa de Dívida e Valores de Angola, active (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · annual report, signed / final · source

  • Net interest income

    AOA 421 billion

    421,174,399 AOA thousands · p207

    +44.3% vs 2024

    Interest income less interest expense, as printed.

  • Produto da actividade bancária e seguradora

    AOA 653 billion

    652,753,018 AOA thousands · p207

    +61.1% vs 2024

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    AOA 321 billion

    320,794,474 AOA thousands · p207

    +84.0% vs 2024

  • Total assets

    AOA 6.19 trillion

    6,191,856,171 AOA thousands · p206

    +13.0% vs 2024

  • Customer deposits

    AOA 4.52 trillion

    4,518,217,820 AOA thousands · p206

    +6.4% vs 2024

  • Total equity

    AOA 1.13 trillion

    1,129,655,946 AOA thousands · p206

    +30.8% vs 2024

Large amounts are rounded for reading (AOA million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in AOA thousands unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; comparative in the FY2025 filing · source
  • FY2023 — annual report, signed / final; reported for the year · source
  • FY2022 — annual report, signed / final; comparative in the FY2023 filing · source

Income statement

Income statement, AOA thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Juros e rendimentos similares calculados pelo método da taxa de juro efectiva1 490,390,292 381,636,745 237,092,770 252,042,279
Juros e rendimentos similares não calculados pelo método da taxa de juro efectiva2 70,252,424 65,372,193 102,011,650 34,821,848
Juros e encargos similares (139,468,317) (155,197,058) (107,661,570) (81,857,981)
Margem financeira 421,174,399 291,811,880 231,442,850 205,006,146
Rendimentos de instrumentos de capital3 850,116 1,795,143 12,347 19
Rendimentos de serviços e comissões 79,735,702 92,504,8064 68,748,493 53,239,956
Proveitos da prestação do serviço de custodia5 8,227,933 4,370,381 Not reported in this filing6 Not reported in this filing7
Encargos com serviços e comissões (61,279,974) (64,560,678) (38,681,396) (18,191,942)
Resultados de activos e passivos financeiros avaliados ao justo valor através dos resultados89 126,542,648 52,408,949 163,876,249 12,071,797
Resultados de activos financeiros ao justo valor através do outro rendimento integral1011 4,404,854 (59,738) (91,390) 30,627
Resultados de investimentos ao custo amortizado12 333,566 516,673 9,335,539 54,341,222
Resultados cambiais 49,834,641 22,715,593 (113,261) (8,965,338)
Resultados de alienação de outros activos13 89,754 50,400 (2,947,011) (268,843)
Outros resultados de exploração14 (21,300,636) (25,134,649) (6,637,658) (8,055,468)
Produto da actividade bancária15 608,613,003 376,418,760 424,943,906 289,208,176
Margem técnica da actividade de seguros16 44,140,015 28,868,186 14,441,466 10,221,727
Produto da actividade bancária e seguradora 652,753,018 405,286,946 439,385,372 299,429,903
Custos com o pessoal (115,867,195) (94,050,154) (86,823,799) (71,066,563)
Fornecimentos e serviços de terceiros17 (121,061,401) (95,636,390) (73,462,031) (76,209,505)
Depreciações e amortizações do exercício18 (26,992,214) (24,506,585) (21,962,520) (17,306,568)
Provisões líquidas de anulações19 89,717 (3,784,723) (2,821,453) (4,067,048)
Imparidade para crédito a clientes líquida de reversões e recuperações20 (34,086,982) 7,426,021 (26,129,305) (6,908,225)
Imparidade para outros activos financeiros líquida de reversões e recuperações2122 747,984 889,426 3,773,600 5,623,935
Imparidade para outros activos líquida de reversões e recuperações2324 (5,891,175) (2,899,066) (1,627,786) (10,668,860)
Resultados de associadas e empreendimentos conjuntos (equivalência patrimonial)25 3,693,668 9,447,049 2,786,583 450,971
RESULTADO ANTES DE IMPOSTOS DE OPERAÇÕES EM CONTINUAÇÃO E DE INTERESSES26 353,385,420 202,172,524 233,118,661 119,278,040
Impostos correntes27 (31,800,208) (25,551,666) (23,058,270) (15,815,521)
Impostos diferidos28 (790,738) (2,319,841) (132,373) 1,708,462
RESULTADO APÓS IMPOSTOS DE OPERAÇÕES EM CONTINUAÇÃO E ANTES DE2930 320,794,474 174,301,017 209,928,018 105,170,981
RESULTADO APÓS IMPOSTOS E ANTES DE INTERESSES QUE NÃO CONTROLAM31 320,794,474 174,301,017 209,928,018 101,334,369
Interesses que não controlam32 (3,522,690) (3,773,746) (1,561,248) (1,091,350)
Resultados em outros activos financeiros33 Not reported in this filing34 Not reported in this filing35 (856) –36
Resultado de operações descontinuadas37 Not reported in this filing38 Not reported in this filing39 –40 (3,836,612)
  1. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_53nxr736k2vn.banking_income.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.profit_for_year.
Notes and alternative reported figures (38)
  1. Printed under different labels across filings: “Juros e rendimentos similares calculados”; “Juros e rendimentos similares calculados pelo método da taxa de juro efectiva”.
  2. Printed under different labels across filings: “Juros e rendimentos similares não calculados”; “Juros e rendimentos similares não calculados pelo método da taxa de juro efectiva”.
  3. “Rendimentos de instrumentos de capital” is an issuer-specific line, not mapped to a shared definition: Dividend income.
  4. Annual report dated 2025-02-24 prints 96 875 187 (thousands, p61) for this line and year.
  5. “Proveitos da prestação do serviço de custodia” is an issuer-specific line, not mapped to a shared definition: Note 28: custody services income.
  6. Not reported in this filing: Not printed: The FY2023 report's consolidated income statement (p127) has no custody-services income line ('Proveitos da prestação do serviço de custodia'); fee income is printed as 'Rendimentos de serviços e comissões' 68 748 493, and note 28 (p238) itemises it without a custody line. Text layer.
  7. Not reported in this filing: Not printed: The FY2023 report's consolidated income statement (p127) has no custody-services income line in the restated 31-12-2022 column; fee income is printed as 'Rendimentos de serviços e comissões' 53 239 956, and note 28 (p238) has no custody line. Text layer.
  8. “Resultados de activos e passivos financeiros avaliados ao justo valor através dos resultados” is an issuer-specific line, not mapped to a shared definition: Note 29.
  9. Printed under different labels across filings: “Resultados de activos e passivos financeiros avaliados”; “Resultados de activos e passivos financeiros avaliados ao justo valor através dos resultados”.
  10. “Resultados de activos financeiros ao justo valor através do outro rendimento integral” is an issuer-specific line, not mapped to a shared definition: FVOCI results.
  11. Printed under different labels across filings: “Resultados de activos financeiros ao justo valor”; “Resultados de activos financeiros ao justo valor através do outro rendimento integral”.
  12. “Resultados de investimentos ao custo amortizado” is an issuer-specific line, not mapped to a shared definition: Note 30.
  13. “Resultados de alienação de outros activos” is an issuer-specific line, not mapped to a shared definition: Note 32.
  14. “Outros resultados de exploração” is an issuer-specific line, not mapped to a shared definition: Note 33 (negative).
  15. “Produto da actividade bancária” is an issuer-specific line, not mapped to a shared definition: Subtotal of banking income before the insurance margin.
  16. “Margem técnica da actividade de seguros” is an issuer-specific line, not mapped to a shared definition: Note 34: insurance subsidiary's technical margin.
  17. “Fornecimentos e serviços de terceiros” is an issuer-specific line, not mapped to a shared definition: Note 36 (negative).
  18. “Depreciações e amortizações do exercício” is an issuer-specific line, not mapped to a shared definition: Note 37 (negative).
  19. “Provisões líquidas de anulações” is an issuer-specific line, not mapped to a shared definition: Note 38.
  20. Printed under different labels across filings: “Imparidade para crédito a clientes líquida de reversões”; “Imparidade para crédito a clientes líquida de reversões e recuperações”.
  21. “Imparidade para outros activos financeiros líquida de reversões e recuperações” is an issuer-specific line, not mapped to a shared definition: Note 40.
  22. Printed under different labels across filings: “Imparidade para outros activos financeiros líquida”; “Imparidade para outros activos financeiros líquida de reversões e recuperações”.
  23. “Imparidade para outros activos líquida de reversões e recuperações” is an issuer-specific line, not mapped to a shared definition: Note 41.
  24. Printed under different labels across filings: “Imparidade para outros activos líquida de reversões”; “Imparidade para outros activos líquida de reversões e recuperações”.
  25. Printed under different labels across filings: “Resultados de associadas e empreendimentos conjuntos”; “Resultados de associadas e empreendimentos conjuntos (equivalência patrimonial)”.
  26. Printed under different labels across filings: “RESULTADO ANTES DE IMPOSTOS DE OPERAÇÕES EM CONTINUAÇÃO E DE INTERESSES”; “Resultado antes de impostos de operações em continuação”.
  27. “Impostos correntes” is an issuer-specific line, not mapped to a shared definition: Note 15 (negative).
  28. “Impostos diferidos” is an issuer-specific line, not mapped to a shared definition: Note 15 (negative).
  29. “RESULTADO APÓS IMPOSTOS DE OPERAÇÕES EM CONTINUAÇÃO E ANTES DE” is an issuer-specific line, not mapped to a shared definition: Result after tax from continuing operations (equal to the result for the year: no discontinued operations).
  30. Printed under different labels across filings: “RESULTADO APÓS IMPOSTOS DE OPERAÇÕES EM CONTINUAÇÃO E ANTES DE”; “Resultado após impostos de operações em continuação”.
  31. Printed under different labels across filings: “RESULTADO APÓS IMPOSTOS E ANTES DE INTERESSES QUE NÃO CONTROLAM”; “Resultado após impostos e antes de interesses”.
  32. “Interesses que não controlam” is an issuer-specific line, not mapped to a shared definition: Note 26: share of non-controlling interests (negative).
  33. “Resultados em outros activos financeiros” is an issuer-specific line, not mapped to a shared definition: Printed in 2023 only (no note).
  34. Not reported in this filing: Not printed: The FY2025 report's consolidated income statement (p207) has no 'Resultados em outros activos financeiros' line in either column. Text layer.
  35. Not reported in this filing: Not printed: The FY2025 report's consolidated income statement (p207) has no 'Resultados em outros activos financeiros' line in the 31-12-2024 column. Text layer.
  36. “Resultado de operações descontinuadas” is an issuer-specific line, not mapped to a shared definition: Note 11.
  37. Not reported in this filing: Not printed: The FY2025 report's consolidated income statement (p207) has no 'Resultado de operações descontinuadas' line; it goes from 'Resultado após impostos de operações em continuação e antes de interesses que não controlam' straight to 'Resultado após impostos e antes de interesses que não controlam' (both 320 794 474). Text layer.
  38. Not reported in this filing: Not printed: The FY2025 report's consolidated income statement (p207) has no 'Resultado de operações descontinuadas' line in the 31-12-2024 column (both after-tax lines print 174 301 017). Text layer.

Balance sheet

Balance sheet, AOA thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Caixa e disponibilidades em bancos centrais 609,853,460 905,379,847 626,508,683 683,007,360
Disponibilidades em outras instituições de crédito1 171,735,808 199,880,252 142,880,126 66,722,242
Aplicações em bancos centrais e em outras instituições de crédito2 720,720,098 1,162,814,842 1,025,722,714 648,134,587
Activos financeiros ao justo valor através dos resultados 812,976,983 343,606,848 699,632,142 612,985,810
Activos financeiros ao justo valor através do outro rendimento integral3 267,100,457 71,853,484 82,733,506 61,851,007
Investimentos ao custo amortizado 1,361,586,210 1,395,552,864 1,448,597,686 803,542,000
Crédito a clientes 1,871,671,264 1,075,455,753 761,693,364 526,054,150
Activos não correntes detidos para venda4 –5 480,434 1,399,679 851,776
Propriedades de investimento 5,007,177 5,517,840 6,066,830 4,061,882
Outros activos tangiveis6 164,022,105 140,531,671 129,456,999 116,344,332
Activos intangiveis7 30,682,425 22,037,271 16,357,417 14,948,507
Investimentos em associadas 25,764,431 22,549,011 12,928,468 7,595,039
Activos por impostos correntes 9,653,547 9,369,400 3,399,017 1,723,410
Activos por impostos diferidos 41,091,257 27,752,881 2,534,208 2,066,036
Outros activos 99,990,949 94,414,112 292,015,2318 98,949,150
Total do Activo 6,191,856,171 5,477,196,510 5,262,944,182 3,657,957,146
ecursos de bancos centrais e de outras instituições de créc9 213,907,785 149,216,704 100,110,818 128,569,695
cursos de clientes e outros empréstim10 4,518,217,820 4,245,473,663 4,104,671,259 2,863,207,842
Responsabilidades representadas por títulos11 53,494,151 –12 Not reported in this filing13 Not reported in this filing14
Provisões 33,151,186 30,834,988 40,089,462 15,776,202
Passivos por impostos correntes 18,605,372 23,417,774 11,766,805 7,312,602
Passivos por impostos diferidos 40,530,050 27,738,802 725,149 873,470
Passivos subordinados15 8,109,346 4,193,072 4,054,996 2,382,592
Outros passivos 176,184,515 132,828,673 194,542,84016 78,075,067
Total do Passivo 5,062,200,225 4,613,703,676 4,494,361,942 3,127,457,749
Capital Social 157,545,000 157,545,000 157,545,000 157,545,000
Reservas de reavaliação17 114,753,187 93,338,977 86,818,356 24,380,720
Outras reservas e resultados transitados18 525,941,166 430,741,161 320,174,090 261,064,725
Resultado líquido do exercício atribuível aos accionistas do BAI1920 317,271,784 170,527,271 208,366,770 100,243,019
Capital próprio atribuível aos accionistas do BAI 1,115,511,137 852,152,409 759,151,294 524,529,730
Interesses que não controlam 14,144,809 11,340,425 9,430,946 5,969,667
Total dos Capitais Próprios 1,129,655,946 863,492,834 768,582,240 530,499,397
Total do Passivo e dos Capitais Próprios 6,191,856,171 5,477,196,510 5,262,944,182 3,657,957,146
Activos de contratos de resseguro cedido Not reported in this filing21 Not reported in this filing22 11,018,112 9,119,858
Passivos de contratos de seguro Not reported in this filing23 Not reported in this filing24 38,400,613 31,260,279
Prémios de emissão Not reported in this filing25 Not reported in this filing26 (8,824,849) (13,407,562)
Acções próprias27 Not reported in this filing28 Not reported in this filing3029 (4,928,073) (5,296,172)
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (28)
  1. “Disponibilidades em outras instituições de crédito” is an issuer-specific line, not mapped to a shared definition: Note 5: demand balances with other banks.
  2. Printed under different labels across filings: “Aplicações em bancos centrais e em outras instituições de”; “Aplicações em bancos centrais e em outras instituições de crédito”.
  3. Printed under different labels across filings: “Activos financeiros ao justo valor através do outro rendimento”; “Activos financeiros ao justo valor através do outro rendimento integral”.
  4. “Activos não correntes detidos para venda” is an issuer-specific line, not mapped to a shared definition: Note 11.
  5. Printed under different labels across filings: “Outros activos tangiveis”; “Outros activos tangíveis”.
  6. Printed under different labels across filings: “Activos intangiveis”; “Activos intangíveis”.
  7. Annual report dated 2025-02-24 prints 303 033 343 (thousands, p61) for this line and year.
  8. Printed under different labels across filings: “Recursos de bancos centrais e de outras instituições de”; “ecursos de bancos centrais e de outras instituições de créc”.
  9. Printed under different labels across filings: “Recursos de clientes e outros empréstimos”; “cursos de clientes e outros empréstim”.
  10. “Responsabilidades representadas por títulos” is an issuer-specific line, not mapped to a shared definition: Note 19: debt securities issued.
  11. Not reported in this filing: Not printed: The FY2023 report's consolidated balance sheet (p126) has no 'Responsabilidades representadas por títulos' line; its liabilities are deposits from banks, customer deposits, provisions, insurance contract liabilities, current and deferred tax, 'Passivos subordinados' and other liabilities. Text layer.
  12. Not reported in this filing: Not printed: The FY2023 report's consolidated balance sheet (p126) has no 'Responsabilidades representadas por títulos' line in the restated 31-12-2022 column. Text layer.
  13. “Passivos subordinados” is an issuer-specific line, not mapped to a shared definition: Note 21.
  14. Annual report dated 2025-02-24 prints 232 943 453 (thousands, p61) for this line and year.
  15. “Reservas de reavaliação” is an issuer-specific line, not mapped to a shared definition: Note 24: fair-value and currency-translation reserves.
  16. “Outras reservas e resultados transitados” is an issuer-specific line, not mapped to a shared definition: Note 24.
  17. “Resultado líquido do exercício atribuível aos accionistas do BAI” is an issuer-specific line, not mapped to a shared definition: Note 25.
  18. Printed under different labels across filings: “Resultado líquido do exercício atribuível aos accionistas do”; “Resultado líquido do exercício atribuível aos accionistas do BAI”.
  19. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Activos de contratos de resseguro cedido' line in either column. Text layer.
  20. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Activos de contratos de resseguro cedido' line in the 31-12-2024 column. Text layer.
  21. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Passivos de contratos de seguro' line in either column; its liabilities are deposits from banks, customer deposits, debt securities, provisions, current and deferred tax, subordinated liabilities and 'Outros passivos'. Text layer.
  22. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Passivos de contratos de seguro' line in the 31-12-2024 column. Text layer.
  23. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Prémios de emissão' line; its equity lines are 'Capital Social', 'Reservas de reavaliação', 'Outras reservas e resultados transitados' and the year's result. Text layer.
  24. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Prémios de emissão' line in the 31-12-2024 column. Text layer.
  25. “Acções próprias” is an issuer-specific line, not mapped to a shared definition: Note 22: treasury shares (negative).
  26. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Acções próprias' line; its equity lines are 'Capital Social', 'Reservas de reavaliação', 'Outras reservas e resultados transitados' and the year's result. Text layer.
  27. Annual report dated 2025-02-24 presents this line for this year: - (p61). Not shown in this column, which follows one filing's presentation.
  28. Not reported in this filing: Not printed: The FY2025 report's consolidated balance sheet (p206) has no 'Acções próprias' line in the 31-12-2024 column. Text layer.

Cash flow

Cash flow, AOA thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Juros, comissões e outros proveito s equiparados recebidos12 681,871,364 487,932,331 408,928,014 324,952,052
Juros, comissões e outros custos equiparados pagos3 (181,899,346) (209,748,564) (145,676,551) (96,509,726)
Recebimento s/(Pagamentos) de prémios de seguros45 9,141,904 5,206,922 3,236,380 259,331
Pagamentos a empregados e fornecedores6 (209,650,088) (162,324,030) (136,107,609) (137,411,250)
Pagamentos e contribuições para fundos de pensões e outros benefícios78 (7,015,136) (5,921,912) (5,619,757) (5,058,115)
Recuperação de créditos abatidos ao activo9 9,005,891 –10 10,079 –10
Outros resultados11 74,932,615 25,450,193 2,314,236 15,393,554
Fluxos de caixa antes das alterações nos activos e passivos operacionais12 376,387,204 140,594,940 127,084,792 101,625,846
Aplicações em bancos centrais e em outras instituições de crédito13 445,577,621 (65,144,392) (302,327,206) (17,326,971)
Activos financeiros ao justo valor através dos resultados14 (329,711,207) 594,536,977 (98,799,962) (540,815,322)
Activos financeiros ao justo valor através de outro rendimento integral1516 (177,184,928) 18,386,156 19,535,367 –17
Investimentos ao custo amortizado18 55,150,287 220,761 (186,341,838) 355,342,408
Crédito a clientes19 (780,840,771) (300,646,659) (113,549,820) (69,865,879)
Outros activos20 (6,556,837) 10,213,081 32,192,147 (30,728,294)
Fluxo liquido prov eniente dos activ os operacionais2122 (793,565,835) 257,565,924 (649,291,312) (299,735,375)
Recursos de bancos centrais e de outras instituições de crédito23 (51,687,973) 149,328,566 (87,368,425) 18,465,019
Recursos de clientes e outros empréstimos24 168,550,259 (39,397,846) 351,078,509 311,619,979
Outros passivos25 (13,212,107) (14,914,741) (4,361,125) (11,447,885)
Fluxo liquido proveniente dos passivos operacionais2627 103,650,179 95,015,979 259,348,959 318,637,113
Caixa líquida das actividades operacionais antes dos impostos sobre o rendimento2829 (313,799,994) 493,176,843 (262,857,561) 120,527,584
Impostos sobre o rendimento pagos (34,723,352) (22,307,306) (15,707,467) (13,924,042)
Caixa liquida das actividades operacionais30 (348,523,346) 470,869,537 (278,565,028) 106,603,542
Dividendos recebidos31 (138,611) 3,474,766 2,006,314 1,379,228
Aquisições de outros activos tangíveis, líquidas de alienações (37,423,123) (23,764,963) (20,908,249) (12,187,184)
Aquisições de activos intangiveis, liquidas de alienações32 (20,249,149) (15,010,486) (8,181,900) (4,992,335)
Aquisições de participações em associadas e empreendimentos conjuntos, líquidas de alienações3334 –35 (2,310,526) (3,170,000)36 51,837,234
Aquisições de propriedades de investimento, líquidas de alienações37 –35 424 Not reported in this filing3938 Not reported in this filing40
Caixa liquida das actividades de investimento41 (57,810,883) (37,610,785) (30,253,835) 36,036,943
Aumentos/(Reduções) de capital social42 –43 678,786 Not reported in this filing4544 Not reported in this filing46
Aumentos / (Reduções) de financiamentos o btidos4748 (274,602) 2,511,984 2,865,13536 (1,097,126)
Distribuição de dividendos (67,969,652) (79,829,484) (40,091,328) (63,693,673)
Distribuição de dividendos a interesses que não controlam49 (1,221,760) –43 (614,503) (457,398)
Emissão de responsabilidades representadas por títulos, líquida de reembolsos e compras50 53,459,000 –43 Not reported in this filing51 Not reported in this filing52
Pagamentos de passivos de locação (2,843,326) (2,025,001) (1,719,061) (1,752,303)
Caixa liquida das actividades de financiamento53 (18,850,340) (78,663,715) (26,053,935) (70,052,775)
Variação de caixa e seus equivalentes (425,184,569) 354,595,037 (334,872,798) 72,587,710
Caixa e seus equivalentes no inicio do exercicio54 1,106,372,958 770,151,166 752,255,365 742,853,437
Efeitos da variação cambial em caixa e seus equiv alentes55 101,090,375 (18,373,245) 352,768,599 (64,949,188)
Caixa e seus equiv alentes no fim do exercício56 782,278,764 1,106,372,958 770,151,166 750,491,959
Activos não correntes detidos para venda57 Not reported in this filing58 Not reported in this filing59 –17 3,658,683
Aquisições de acções próprias, líquidas de alienações60 Not reported in this filing61 Not reported in this filing6362 13,505,822 (3,952,275)
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.native.co_53nxr736k2vn.cf_before_operating_changes.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.native.co_53nxr736k2vn.cf_operating_assets.
  3. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
  4. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (59)
  1. “Juros, comissões e outros proveito s equiparados recebidos” is an issuer-specific line, not mapped to a shared definition: Operating.
  2. Printed under different labels across filings: “Juros, comissões e outros proveito s equiparados recebidos”; “Juros, comissões e outros proveitos equiparados recebidos”.
  3. “Juros, comissões e outros custos equiparados pagos” is an issuer-specific line, not mapped to a shared definition: Operating.
  4. “Recebimento s/(Pagamentos) de prémios de seguros” is an issuer-specific line, not mapped to a shared definition: Operating.
  5. Printed under different labels across filings: “Recebimento s/(Pagamentos) de prémios de seguros”; “Recebimentos/(Pagamentos) de prémios de seguros”.
  6. “Pagamentos a empregados e fornecedores” is an issuer-specific line, not mapped to a shared definition: Operating.
  7. “Pagamentos e contribuições para fundos de pensões e outros benefícios” is an issuer-specific line, not mapped to a shared definition: Operating.
  8. Printed under different labels across filings: “Pagamentos e contribuições para fundos de pensões e outros”; “Pagamentos e contribuições para fundos de pensões e outros benefícios”.
  9. “Recuperação de créditos abatidos ao activo” is an issuer-specific line, not mapped to a shared definition: Operating.
  10. “Outros resultados” is an issuer-specific line, not mapped to a shared definition: Operating.
  11. “Fluxos de caixa antes das alterações nos activos e passivos operacionais” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  12. “Aplicações em bancos centrais e em outras instituições de crédito” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  13. “Activos financeiros ao justo valor através dos resultados” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  14. “Activos financeiros ao justo valor através de outro rendimento integral” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  15. Printed under different labels across filings: “Activos financeiros ao justo valor através de outro rendimento integral”; “Activos financeiros ao justo valor através do outro rendimento”.
  16. “Investimentos ao custo amortizado” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  17. “Crédito a clientes” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  18. “Outros activos” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  19. “Fluxo liquido prov eniente dos activ os operacionais” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  20. Printed under different labels across filings: “Fluxo liquido prov eniente dos activ os operacionais”; “Fluxo líquido proveniente dos activos operacionais”.
  21. “Recursos de bancos centrais e de outras instituições de crédito” is an issuer-specific line, not mapped to a shared definition: Operating liabilities.
  22. “Recursos de clientes e outros empréstimos” is an issuer-specific line, not mapped to a shared definition: Operating liabilities.
  23. “Outros passivos” is an issuer-specific line, not mapped to a shared definition: Operating liabilities.
  24. “Fluxo liquido proveniente dos passivos operacionais” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  25. Printed under different labels across filings: “Fluxo liquido proveniente dos passivos operacionais”; “Fluxo líquido proveniente dos passivos operacionais”.
  26. “Caixa líquida das actividades operacionais antes dos impostos sobre o rendimento” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  27. Printed under different labels across filings: “Caixa líquida das actividades operacionais antes dos impostos”; “Caixa líquida das actividades operacionais antes dos impostos sobre o rendimento”.
  28. Printed under different labels across filings: “Caixa liquida das actividades operacionais”; “Caixa líquida das actividades operacionais”.
  29. “Dividendos recebidos” is an issuer-specific line, not mapped to a shared definition: Investing.
  30. Printed under different labels across filings: “Aquisições de activos intangiveis, liquidas de alienações”; “Aquisições de activos intangíveis, líquidas de alienações”.
  31. “Aquisições de participações em associadas e empreendimentos conjuntos, líquidas de alienações” is an issuer-specific line, not mapped to a shared definition: Investing.
  32. Printed under different labels across filings: “Aquisições de participações em associadas e empreendimentos”; “Aquisições de participações em associadas e empreendimentos conjuntos, líquidas de alienações”.
  33. Annual report dated 2025-02-24 prints - (thousands, p62) for this line and year.
  34. “Aquisições de propriedades de investimento, líquidas de alienações” is an issuer-specific line, not mapped to a shared definition: Investing.
  35. Annual report dated 2025-02-24 presents this line for this year: (3 170 000) (p62). Not shown in this column, which follows one filing's presentation.
  36. Not reported in this filing: Not printed: The FY2023 report's consolidated statement of cash flows (p129) has no investment-property line; its investing lines are dividends received, tangible assets, intangible assets and 'Aquisições de participações em associadas e empreendimentos conjuntos, líquidas de alienações' ((3 170 000)). Checked on the page image.
  37. Not reported in this filing: Not printed: The FY2023 report's consolidated statement of cash flows (p129) has no investment-property line in the 31-12-2022 columns. Checked on the page image.
  38. Printed under different labels across filings: “Caixa liquida das actividades de investimento”; “Caixa líquida das actividades de investimento”.
  39. “Aumentos/(Reduções) de capital social” is an issuer-specific line, not mapped to a shared definition: Financing.
  40. Annual report dated 2025-02-24 presents this line for this year: 2 865 135 (p62). Not shown in this column, which follows one filing's presentation.
  41. Not reported in this filing: Not printed: The FY2023 report's consolidated statement of cash flows (p129) has no 'Aumentos/(Reduções) de capital social' line; its first financing line is 'Aumentos / (Reduções) de financiamentos obtidos' (2023: 2 865 135), already transcribed under borrowings. Not moved. Checked on the page image.
  42. Not reported in this filing: Not printed: The FY2023 report's consolidated statement of cash flows (p129) has no 'Aumentos/(Reduções) de capital social' line in the 31-12-2022 columns; it prints 'Aumentos / (Reduções) de financiamentos obtidos' ((1 097 126)). Checked on the page image.
  43. “Aumentos / (Reduções) de financiamentos o btidos” is an issuer-specific line, not mapped to a shared definition: Financing (net).
  44. Printed under different labels across filings: “Aumentos / (Reduções) de financiamentos o btidos”; “Aumentos / (Reduções) de financiamentos obtidos”.
  45. “Distribuição de dividendos a interesses que não controlam” is an issuer-specific line, not mapped to a shared definition: Financing.
  46. “Emissão de responsabilidades representadas por títulos, líquida de reembolsos e compras” is an issuer-specific line, not mapped to a shared definition: Financing.
  47. Not reported in this filing: Not printed: The FY2023 report's consolidated statement of cash flows (p129) has no 'Emissão de responsabilidades representadas por títulos' line. Checked on the page image.
  48. Not reported in this filing: Not printed: The FY2023 report's consolidated statement of cash flows (p129) has no 'Emissão de responsabilidades representadas por títulos' line in the 31-12-2022 columns. Checked on the page image.
  49. Printed under different labels across filings: “Caixa liquida das actividades de financiamento”; “Caixa líquida das actividades de financiamento”.
  50. Printed under different labels across filings: “Caixa e seus equivalentes no inicio do exercicio”; “Caixa e seus equivalentes no início do exercício”.
  51. Printed under different labels across filings: “Efeitos da variação cambial em caixa e seus equiv alentes”; “Efeitos da variação cambial em caixa e seus equivalentes”.
  52. Printed under different labels across filings: “Caixa e seus equiv alentes no fim do exercício”; “Caixa e seus equivalentes no fim do exercício”.
  53. “Activos não correntes detidos para venda” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  54. Not reported in this filing: Not printed: The FY2025 report's consolidated statement of cash flows (p209, an image-only page with no text layer) has no 'Activos não correntes detidos para venda' line among the operating-asset changes (it prints placements with banks, FVTPL, FVOCI, amortised cost, loans to customers and other assets). Read on the page image.
  55. Not reported in this filing: Not printed: The FY2025 report's consolidated statement of cash flows (p209, an image-only page with no text layer) has no 'Activos não correntes detidos para venda' line in the 31-12-2024 column. Read on the page image.
  56. “Aquisições de acções próprias, líquidas de alienações” is an issuer-specific line, not mapped to a shared definition: Financing.
  57. Not reported in this filing: Not printed: The FY2025 report's consolidated statement of cash flows (p209, an image-only page with no text layer) has no treasury-shares line; its financing lines are 'Aumentos/(Reduções) de capital social', 'Aumentos / (Reduções) de financiamentos obtidos', dividends, dividends to NCI, debt securities issued and lease payments. Read on the page image.
  58. Annual report dated 2025-02-24 presents this line for this year: - (p62). Not shown in this column, which follows one filing's presentation.
  59. Not reported in this filing: Not printed: The FY2025 report's consolidated statement of cash flows (p209, an image-only page with no text layer) has no treasury-shares line in the 31-12-2024 column. Read on the page image.

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Earnings / (loss) per share (per share)21 16,312 8,767 11,202 5,533
Profit / (loss) attributable to shareholders (AOA thousands)43 317,271,784 170,527,271 208,366,770 100,243,019
Weighted average shares (shares)5 19,450,000 19,450,000 18,601,130 18,118,622
Notes and alternative reported figures (5)
  1. Printed under different labels across filings: “Resultado líquido por acção básico e diluído (em Kwanzas)”; “Resultado líquido por acção básico e diluído (em kwanzas)”.
  2. Earnings / (loss) per share: printed as “Resultado líquido por acção básico e diluído (em Kwanzas)”.
  3. Printed under different labels across filings: “RESULTADO LÍQUIDO DO EXERCÍCIO ATRIBUÍVEL AOS ACCIONISTAS”; “Resultado líquido do exercício atribuível aos accionistas”.
  4. Profit / (loss) attributable to shareholders: printed as “RESULTADO LÍQUIDO DO EXERCÍCIO ATRIBUÍVEL AOS ACCIONISTAS”.
  5. Weighted average shares: printed as “Número médio de acções ordinárias emitidas”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Distribuição de dividendos (67,969,652) AOA thousands Annual report, p209
31 Dec 2024 Dividends paid (cash flow statement) Distribuição de dividendos (79,829,484) AOA thousands Annual report, p209
31 Dec 2023 Dividends paid (cash flow statement) Distribuição de dividendos (40,091,328) AOA thousands Annual report, p129
31 Dec 2022 Dividends paid (cash flow statement) Distribuição de dividendos (63,693,673) AOA thousands Annual report, p129

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Relatório e Contas 2025

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: PricewaterhouseCoopers (Angola), Limitada, unmodified opinion · signed

    Auditor's sign-off: PricewaterhouseCoopers (Angola), Limitada, represented by Ricardo Santos (Perito Contabilista n.º 20120086)

    Final status: Independent auditor's report on the consolidated statements by PricewaterhouseCoopers (Angola), Limitada (PDF pp352-358, page images): unqualified opinion (p352), dated '23 de Fevereiro de 2026' and signed by Ricardo Santos, Perito Contabilista n.º 20120086 (p358). The board's responsibility declaration is dated 'Luanda, aos 20 de Fevereiro de 2026' with the directors' names printed and no signatures (p75, page image).

    Document date
    23 Feb 2026
    Auditor's report
    23 Feb 2026
    Board approval
    20 Feb 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · AOA thousands (printed “Montantes expressos em milhares de kwanzas - mKz excepto quando expressamente indicado”)
    • Cash flows: 'Caixa líquida das actividades operacionais antes dos impostos sobre o rendimento' is printed (313 799 994) for 2025, while the printed subtotals above it (376 387 204; (793 565 835); 103 650 179) add to (313 528 452); the 2024 column adds. Kept as printed.
    • Income tax is printed as current and deferred tax under the heading 'Imposto sobre os resultados' without a total. The result after tax from continuing operations equals the result for the year (no discontinued operations); the continuing-operations EPS line (16 312; 2024: 8 767) equals the EPS transcribed. The cash-flow statement's analysis of cash (caixa, depósitos à ordem em bancos centrais, disponibilidades em outras instituições de crédito) is not transcribed.
    Technical details
    File
    398 pages, with a text layer
    SHA-256
    9d1d5592497473dd4c767c20cbd9ead9390e56f81ddc41b8c9283b1a51df6b17
    Entity as printed
    Banco Angolano de Investimentos, S.A. (o 'Banco') e suas subsidiárias (o 'Grupo'); Grupo BAI
    Issuer copy
    retrieved 2026-10-08T20:40:08Z

  • Relatório e Contas 2024

    Year ended 31 December 2024 · Annual report · signed / final

    Audit: PricewaterhouseCoopers (Angola), Limitada, unmodified opinion · signed

    Auditor's sign-off: PricewaterhouseCoopers (Angola), Limitada, represented by Ricardo Santos (Perito Contabilista n.º 20120086)

    Final status: Independent auditor's report on the consolidated statements by PricewaterhouseCoopers (Angola), Limitada (PDF pp150-153): unqualified opinion (p150), dated '24 de Fevereiro de 2025' and signed by Ricardo Santos, Perito Contabilista n.º 20120086 (p153, page image). The board's responsibility declaration is dated 'Luanda, aos 21 de Fevereiro de 2025' with the directors' names printed and no signatures (p59, page image).

    Document date
    24 Feb 2025
    Auditor's report
    24 Feb 2025
    Board approval
    21 Feb 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    not a column source (supplementary or comparison only)
    Basis
    consolidated statements · AOA thousands (printed “Montantes expressos em milhares de Kwanzas – mKz excepto quando expressamente indicado”)
    • Income statement, 2023 comparative: the printed lines from 'Margem financeira' to 'Outros resultados de exploração' add to 424 944 762, while 'Produto da actividade bancária' is printed as 424 943 906 (difference 856, p61; checked on the page image). The 2024 column adds. Kept as printed.
    • Each PDF page is a two-page spread; the text re-read interleaves the two pages, so three rows (impairment of other assets and the result after tax before non-controlling interests, p61; net operating cash before income tax, p62) are read after the facing page's text that the re-read places between label and amounts (label_note/preceded_by); compared with the page image.
    • Income tax is printed as current and deferred tax under the heading 'Imposto sobre os resultados' without a total. The result after tax from continuing operations equals the result for the year (no discontinued operations); the continuing-operations EPS line (8 767; 2023: 11 202) equals the EPS transcribed. The cash-flow statement's analysis of cash (caixa, depósitos à ordem em bancos centrais, disponibilidades em outras instituições de crédito) and the statement of comprehensive income are not transcribed.
    Technical details
    File
    247 pages, with a text layer
    SHA-256
    7b8b0e1bdc0447e6535208482e2014a693a100a70e835c5962117e8d5bbc8fec
    Entity as printed
    Banco Angolano de Investimentos, S.A. (o 'Banco') e suas subsidiárias (o 'Grupo'); Grupo BAI
    Issuer copy
    retrieved 2026-10-08T20:40:12Z

  • Relatório e Contas 2023

    Year ended 31 December 2023 · Annual report · signed / final

    Audit: PricewaterhouseCoopers (Angola), Limitada, unmodified opinion · signed

    Auditor's sign-off: PricewaterhouseCoopers (Angola), Limitada, represented by Ricardo Santos (Perito Contabilista Nº 20120086)

    Final status: Independent auditor's report on the consolidated statements by PricewaterhouseCoopers (Angola), Limitada (PDF pp290-296): unqualified opinion (p290), dated '26 de Fevereiro de 2024' and signed (handwritten) by Ricardo Santos, Perito Contabilista Nº 20120086 (p296, page image). The board's responsibility declaration is dated 'Luanda, aos 22 de Fevereiro de 2024' with the directors' names printed (p122).

    Document date
    26 Feb 2024
    Auditor's report
    26 Feb 2024
    Board approval
    22 Feb 2024
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2023, FY2022
    Basis
    consolidated statements · AOA thousands (printed “Montantes expressos em milhares de kwanzas – mKz excepto quando expressamente indicado”)
    • Cash flows (p129), 2022 restated column: the financing lines ((1 097 126); (3 952 275); (63 693 673); (457 398); (1 752 303)) add to (70 952 775), while 'Caixa líquida das actividades de financiamento' is printed (70 052 775) (also in the original 2022 column); checked on the page image and kept as printed. The printed total is the one that reconciles to the change in cash (72 587 710).
    • Cash flows (p129): cash at the beginning of 2023 is printed 752 255 365, while cash at the end of 2022 is printed 750 491 959 (restated) and 752 234 059 (as originally reported). Kept as printed.
    • Income statement (p127): the line 'Resultado de operações descontinuadas e/ou em descontinuação por acção básico e diluído' prints 11 202 (2022: 5 533), the same figures as the total EPS, although the 2023 result from discontinued operations is nil; not transcribed.
    • Income tax is printed as current and deferred tax under the heading 'Imposto sobre os resultados' without a total (p127). The statement of comprehensive income (p128) and the cash-flow statement's analysis of cash are not transcribed.
    • The 2022 comparatives are headed '(Reexpresso)': first adoption of IFRS 17 and a change in the consolidation perimeter (IFRS 10) (impact tables pp160-161). E.g. result attributable to shareholders 2022: 108 648 286 as originally reported, 100 243 019 restated (p127). The restated column is transcribed.
    Technical details
    File
    484 pages, with a text layer
    SHA-256
    80521ab1b70e02d7bb8f29b5dfaf002fc0023f45addf5a2c87b332f328b31b2a
    Entity as printed
    Banco Angolano de Investimentos, S.A. ('Banco') e suas subsidiárias ('o Grupo'); Grupo BAI
    Issuer copy
    retrieved 2026-10-08T20:41:42Z

Data notes

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Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; matched to OCR text of the page image; read from the page image) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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