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BFA

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

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Company details
Legal name
Banco de Fomento Angola, S.A. | Sociedade Aberta
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 345 billion

    344,676,357 AOA thousands · p318

    +17.2% vs 2024

    Interest income less interest expense, as printed.

  • Profit / (loss) for the year

    AOA 233 billion

    233,141,916 AOA thousands · p318

    +12.2% vs 2024

  • Total assets

    AOA 4.29 trillion

    4,285,199,282 AOA thousands · p319

    +11.1% vs 2024

  • Customer deposits

    AOA 3.21 trillion

    3,208,402,187 AOA thousands · p319

    +6.5% vs 2024

  • Total equity

    Not reported in this filing

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

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.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Juros e rendimentos similares 433,139,829 371,251,367
Juros e encargos similares (88,463,472) (77,168,211)
Margem financeira 344,676,357 294,083,156
Rendimentos de serviços e comissões 61,401,598 55,675,367
Encargos com serviços e comissões (29,149,151) (27,293,074)
Resultados de activos e passivos financeiros avaliados ao justo valor através de resultados1 5,584,716 3,569,033
Resultados cambiais 72,954,039 62,388,248
Resultados de alienação de outros activos2 274,675 153,966
Outros resultados de exploração3 (8,679,122) (6,445,920)
Produto da actividade bancária4 447,063,112 382,130,776
Custos com o pessoal (95,292,990) (77,972,168)
Fornecimentos e serviços de terceiros5 (67,885,541) (51,522,144)
Depreciações e amortizações do exercício6 (22,083,520) (18,139,428)
Provisões líquidas de anulações7 9,628,796 720,209
Imparidade para crédito a clientes líquida de reversões (8,277,953) (9,182,976)
Imparidade para outros activos financeiros líquida de reversões8 (2,591,147) (2,453,786)
Imparidade para outros activos líquida de reversões9 (2,697,808) (225,250)
Resultado Antes de Impostos de Operações em Continuação 257,862,949 223,355,233
Correntes10 (24,721,033) (15,558,556)
Diferidos11 –12 –12
Resultado Líquido do Exercício Atribuível 233,141,916 207,796,677
Interesses que não controlam13 1,719 1,317
Rendimento Reconhecido Directamente no Capital Próprio –14 –14
Rendimento Integral do Exercício 233,141,916 207,796,677
  1. Printed “-”, read as nil: subtotal_arithmetic: is.profit_for_year.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.total_comprehensive_income.
Notes and alternative reported figures (12)
  1. “Resultados de activos e passivos financeiros avaliados ao justo valor através de resultados” is an issuer-specific line, not mapped to a shared definition: Note 7.
  2. “Resultados de alienação de outros activos” is an issuer-specific line, not mapped to a shared definition: Note 22.
  3. “Outros resultados de exploração” is an issuer-specific line, not mapped to a shared definition: Note 23 (negative).
  4. “Produto da actividade bancária” is an issuer-specific line, not mapped to a shared definition: Total banking income.
  5. “Fornecimentos e serviços de terceiros” is an issuer-specific line, not mapped to a shared definition: Note 25 (negative).
  6. “Depreciações e amortizações do exercício” is an issuer-specific line, not mapped to a shared definition: Note 11 (negative).
  7. “Provisões líquidas de anulações” is an issuer-specific line, not mapped to a shared definition: Note 16.
  8. “Imparidade para outros activos financeiros líquida de reversões” is an issuer-specific line, not mapped to a shared definition: Note 16.
  9. “Imparidade para outros activos líquida de reversões” is an issuer-specific line, not mapped to a shared definition: Note 16.
  10. “Correntes” is an issuer-specific line, not mapped to a shared definition: Note 12 (negative).
  11. “Diferidos” is an issuer-specific line, not mapped to a shared definition: Note 12 (printed '-').
  12. “Interesses que não controlam” is an issuer-specific line, not mapped to a shared definition: Share of non-controlling interests in the result.

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.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Caixa e disponibilidades em bancos centrais 769,185,767 640,092,778
Disponibilidades em outras instituições de crédito1 88,270,249 50,876,075
Aplicações em bancos centrais e em outras instituições de crédito 554,991,204 730,373,774
Activos financeiros ao justo valor através de resultados 100,860,511 87,531,901
Investimentos ao custo amortizado 1,710,594,808 1,528,471,803
Crédito a clientes 891,011,848 730,410,266
Activos não correntes detidos para venda2 52,395 170,786
Outros activos tangíveis 138,581,960 48,177,668
Activos intangíveis 13,702,112 13,651,592
Activos por impostos correntes 496,540 177,347
Activos por impostos diferidos –3 –3
Outros activos 17,451,888 28,172,649
Total do Activo 4,285,199,282 3,858,106,639
Recursos de bancos centrais e de outras instituições de crédito 137,190,795 23,915,168
Recursos de clientes e outros empréstimos 3,208,402,187 3,011,827,561
Passivos financeiros ao justo valor através de resultados4 –5 2,950,032
Provisões 28,495,042 42,258,079
Passivos por impostos correntes 17,118,726 14,662,593
Passivos de locação6 4,995,144 5,300,193
Outros passivos 65,151,868 63,580,896
Total do Passivo 3,461,353,762 3,164,494,522
Capital social 90,000,000 45,000,000
Reserva legal, outras reservas e resultados transitados7 500,699,846 440,811,039
Resultado líquido atribuível aos accionistas do Banco8 233,140,197 207,795,360
Total do capital atribuível aos accionistas do Banco 823,840,043 693,606,399
Interesses que não controlam 5,477 5,718
Total do Passivo e dos Capitais Próprios 4,285,199,282 3,858,106,639
  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 (6)
  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. “Activos não correntes detidos para venda” is an issuer-specific line, not mapped to a shared definition: Note 10.
  3. “Passivos financeiros ao justo valor através de resultados” is an issuer-specific line, not mapped to a shared definition: Note 7.
  4. “Passivos de locação” is an issuer-specific line, not mapped to a shared definition: Note 17.
  5. “Reserva legal, outras reservas e resultados transitados” is an issuer-specific line, not mapped to a shared definition: Note 18.
  6. “Resultado líquido atribuível aos accionistas do Banco” is an issuer-specific line, not mapped to a shared definition: Note 18.

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.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Juros, comissões e outros proveitos equiparados recebidos1 498,642,088 381,746,612
Juros, comissões e outros custos equiparados pagos2 (113,951,688) (102,543,022)
Pagamentos a empregados e fornecedores3 (157,199,125) (122,068,664)
Pagamentos e contribuições para fundos de pensões e outros benefícios4 (3,813,920) (3,226,780)
Recuperação de créditos abatidos ao activos5 1,112,435 449,212
Outros resultados6 71,876,033 52,548,819
Fluxos de caixa antes das alterações nos activos e passivos operacionais7 296,665,823 206,906,177
Aplicações em bancos centrais e em outras instituições de crédito8 161,789,279 260,504,733
Activos financeiros ao justo valor através de resultados9 (7,172,410) (35,757,280)
Investimentos financeiros ao custo amortizado10 (161,109,742) (85,816,354)
Crédito a clientes11 (157,977,769) (181,037,936)
Activos não correntes detidos para venda12 (42,114) (101,427)
Outros Activos13 (4,965,293) (8,033,941)
Fluxo líquido proveniente dos activos operacionais14 (169,478,049) (50,242,205)
Recursos de bancos centrais e de outras instituições de crédito15 108,478,244 (4,840,667)
Recursos de clientes e outros empréstimos16 153,640,019 26,437,163
Outros passivos17 (19,976,544) 636,158
Fluxo líquido proveniente dos passivos operacionais18 242,141,719 22,232,654
Caixa líquida das actividades operacionais antes19 369,329,493 178,896,626
Impostos sobre o rendimento e capitais pagos (19,077,919) (14,389,588)
Caixa líquida das actividades operacionais 350,251,574 164,507,038
Aquisições de outros activos tangíveis, líquidas (90,964,436) (14,975,785)
Aquisições de activos intangíveis, líquidas de alienações (8,430,648) (9,121,102)
Caixa líquida das actividades de investimento (99,395,084) (24,096,887)
Distribuição de dividendos (102,910,625) (83,754,806)
Caixa líquida das actividades de financiamento (102,910,625) (83,754,806)
Variação de caixa e seus equivalentes 147,945,865 56,655,345
Caixa e seus equivalentes no início do exercício 690,973,083 598,282,241
Efeitos da variação cambial em caixa e seus equivalen- 18,542,384 36,035,497
Caixa e seus equivalentes no fim do exercício 857,461,332 690,973,083
Notes and alternative reported figures (19)
  1. “Juros, comissões e outros proveitos equiparados recebidos” is an issuer-specific line, not mapped to a shared definition: Operating.
  2. “Juros, comissões e outros custos equiparados pagos” is an issuer-specific line, not mapped to a shared definition: Operating.
  3. “Pagamentos a empregados e fornecedores” is an issuer-specific line, not mapped to a shared definition: Operating.
  4. “Pagamentos e contribuições para fundos de pensões e outros benefícios” is an issuer-specific line, not mapped to a shared definition: Operating.
  5. “Recuperação de créditos abatidos ao activos” is an issuer-specific line, not mapped to a shared definition: Operating.
  6. “Outros resultados” is an issuer-specific line, not mapped to a shared definition: Operating.
  7. “Fluxos de caixa antes das alterações nos activos e passivos operacionais” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  8. “Aplicações em bancos centrais e em outras instituições de crédito” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  9. “Activos financeiros ao justo valor através de resultados” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  10. “Investimentos financeiros ao custo amortizado” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  11. “Crédito a clientes” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  12. “Activos não correntes detidos para venda” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  13. “Outros Activos” is an issuer-specific line, not mapped to a shared definition: Operating assets.
  14. “Fluxo líquido proveniente dos activos operacionais” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  15. “Recursos de bancos centrais e de outras instituições de crédito” is an issuer-specific line, not mapped to a shared definition: Operating liabilities.
  16. “Recursos de clientes e outros empréstimos” is an issuer-specific line, not mapped to a shared definition: Operating liabilities.
  17. “Outros passivos” is an issuer-specific line, not mapped to a shared definition: Operating liabilities.
  18. “Fluxo líquido proveniente dos passivos operacionais” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  19. “Caixa líquida das actividades operacionais antes” is an issuer-specific line, not mapped to a shared definition: Subtotal.

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.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Earnings / (loss) per share (per share)21 19.529 23.089
Profit / (loss) attributable to shareholders (AOA thousands)3 233,140,197 207,795,360
Weighted average shares (shares)4 11,938,356 9,000,000
Notes and alternative reported figures (4)
  1. “Resultado por acção básico”: mapping to a shared definition is uncertain. Printed '19,529' (2024: '23,089') under the statement's heading 'milhares de kwanzas'. Read as thousands of kwanzas with the document's decimal comma (scale 1000), i.e. about 19 529 kwanzas per share, which agrees with the attributable result (233 140 197 thousand) over the average shares (11 938 356). The validator's EPS check does not apply the row's scale and reports a fail; the unit should be confirmed before use. Diluted EPS is printed on its own line with the same amounts.
  2. Earnings / (loss) per share: printed as “Resultado por acção básico”.
  3. Profit / (loss) attributable to shareholders: printed as “Accionistas do Banco”.
  4. 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 (102,910,625) AOA thousands Annual report, p321
31 Dec 2024 Dividends paid (cash flow statement) Distribuição de dividendos (83,754,806) AOA thousands Annual report, p321

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.

  • Banco de Fomento Angola | Relatório e Contas 2025

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

    Audit: KPMG Angola – Audit, Tax, Advisory, S.A., unmodified opinion · signed

    Auditor's sign-off: KPMG Angola – Audit, Tax, Advisory, S.A., represented by Maria Inês Rebelo Filipe (Perito Contabilista, cédula n.º 20140081)

    Final status: External auditor's report on the consolidated statements by KPMG Angola – Audit, Tax, Advisory, S.A. (PDF pp459-461, page images of the report's pages): unqualified opinion (p459), dated 'Luanda, 20 de Fevereiro de 2026' and signed for KPMG by Maria Inês Rebelo Filipe, Perito Contabilista cédula n.º 20140081 (p461). The board's responsibility declaration is dated 'Luanda, 26 de Fevereiro de 2026', after the audit report, with the directors' names printed and no signatures (p166, page image).

    Document date
    20 Feb 2026
    Auditor's report
    20 Feb 2026
    Board approval
    26 Feb 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · AOA thousands (printed “milhares de kwanzas”)
    • Investing cash flows (p321): 'Aquisições de outros activos tangíveis, líquidas de alienações' is printed over two lines in the right-hand column, level with the left-hand column's subtotal 'Fluxos de caixa antes das alterações nos activos e passivos operacionais'; it is read from the word-position re-read after skipping that subtotal's two amounts. EPS unit is marked ambiguous (see the row's mapping note).
    • No total equity is printed: the balance sheet shows total liabilities, the capital attributable to the bank's shareholders and non-controlling interests, then the total of liabilities and equity. Earnings per share are printed in thousands of kwanzas with a decimal comma ('19,529'). The board's responsibility declaration (26 February 2026) is dated after the auditor's report (20 February 2026).
    Technical details
    File
    471 pages, with a text layer
    SHA-256
    969355b915337e5d34db828accb4f49339c4507f3bc84b6ac53218e4e9538f56
    Entity as printed
    Banco de Fomento Angola S.A. (o Banco) e suas subsidiárias (o Grupo)
    Issuer copy
    retrieved 2026-10-08T20:40:32Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (9 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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