Skip to content
The African Exponent DATA
Resources

Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to OCR text and compared cell by cell with 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

BIIC

BICB · Bourse Régionale des Valeurs Mobilières · Company statements

On this page
Company details
Legal name
Banque Internationale pour l'Industrie et le Commerce
Listing
BICB on the Bourse Régionale des Valeurs Mobilières, 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 · published summary of audited statements, final status not established · source

Read with these figures

  • Published summary of audited statements not confirmed as final. The published copy is not confirmed as the final version. The FY2025 figures come from it.
Full wording and sources

  • Published summary of audited statements for 2025: final status not established

    Published through the BRVM. The cover states 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1) and the first annex page 'NB: Informations certifies par les Commissaires aux comptes' (p17), but no auditor's report, auditor's name, signature or date and no board approval are printed anywhere in the 21 pages (text and renders pp1, 17-20).

    Source: BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes (undated)

  • 2025, 2024: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1); 'Annexes ... NB: Informations certifies par les Commissaires aux comptes' (p17). The publication does not otherwise state its source. No auditor's report on the publication or on the underlying statements is printed. The document states 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1) and 'NB: Informations certifies par les Commissaires aux comptes' (p17). Activity report (pp1-16: trajectory, environment, sector, key figures, ratios, IFRS 9, liquidity, first-time adoption, 2026 priorities) with annexed IFRS statements: situation financière (pp17-18, three columns incl. the 01.01.2024 opening balance), OCI (p19), compte de résultat (p20), changes in equity (p21). No cash-flow statement and no notes, although the income statement cites note numbers (10.1.1-10.1.9).

    Source: BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes (undated)

  • Net interest income

    XOF 40.8 billion

    40,814 XOF millions · p20

    +15.3% vs 2024

    Interest income less interest expense, as printed.

  • PRODUIT NET BANCAIRE

    XOF 52.8 billion

    52,805 XOF millions · p20

    +16.5% 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

    XOF 36.2 billion

    36,237 XOF millions · p20

    +24.7% vs 2024

  • Total assets

    XOF 1.84 trillion

    1,844,600 XOF millions · p17

    +21.6% vs 2024

  • Customer deposits

    XOF 1.18 trillion

    1,181,045 XOF millions · p18

    +29.4% vs 2024

  • Total equity

    XOF 135 billion

    135,118 XOF millions · p18

    +17.9% vs 2024

Large amounts are rounded for reading (XOF 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 XOF millions 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 — published summary of audited statements (summary), final status not established; reported for the year · source
  • FY2024 — published summary of audited statements (summary), final status not established; comparative in the FY2025 filing · source
    • 2025, 2024: figures from a published summary. These columns come from a summary of the audited statements, not the full audited financial statements. 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1); 'Annexes ... NB: Informations certifies par les Commissaires aux comptes' (p17). The publication does not otherwise state its source. No auditor's report on the publication or on the underlying statements is printed. The document states 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1) and 'NB: Informations certifies par les Commissaires aux comptes' (p17). Activity report (pp1-16: trajectory, environment, sector, key figures, ratios, IFRS 9, liquidity, first-time adoption, 2026 priorities) with annexed IFRS statements: situation financière (pp17-18, three columns incl. the 01.01.2024 opening balance), OCI (p19), compte de résultat (p20), changes in equity (p21). No cash-flow statement and no notes, although the income statement cites note numbers (10.1.1-10.1.9).

Income statement

Income statement, XOF millions. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Réévaluations des engagements au titre des régimes à prestations définies1 29 58
Variation de juste valeur des instruments de capitaux propres à la JV par OCI2 (420) 469
Impôt sur les éléments non recyclables3 126 (141)
Sous-total des éléments non recyclables4 (265) 386
Autres éléments du résultat global, nets d'impôt (265) 386
Résultat global total de la période 35,972 29,444
Intérêts et produits assimilés 10.1.1 100,361 82,330
Intérêts et charges assimilées 10.1.1 (59,548) (46,926)
Marge nette d'intérêts 40,814 35,403
Commissions (produits) 10.1.2 12,072 10,888
Commissions (charges) 10.1.2 (1,485) (2,474)
Commissions nettes 10,587 8,414
Revenus des titres à revenue variable 10.1.35 1,153 1,195
Gains ou pertes nets sur actifs financiers 10.1.36 80 219
Autres Produits 10.1.3 171 98
Autres Charges 10.1.37 0 0
Autres revenus8 1,404 1,513
PRODUIT NET BANCAIRE 52,805 45,330
Frais de personnel 10.1.4 (4,239) (3,997)
Dotations aux amortissements et aux dépréciations des immobilisations 10.1.59 (2,838) (2,383)
Autres charges générales d'exploitation 10.1.6 (9,357) (8,089)
FRAIS GENERAUX (16,434) (14,470)
RESULTAT BRUT D'EXPLOITATION 36,371 30,860
Coût du risque 10.1.7 5,075 (198)
RESULTAT D'EXPLOITATION 41,446 30,662
Gains ou pertes nets sur autres actifs 10.1.810 0 70
RESULTAT AVANT IMPOT 41,446 30,733
Impôts sur les bénéfices 10.1.9 (5,209) (1,675)
RESULTAT NET 36,237 29,058
Notes and alternative reported figures (10)
  1. “Réévaluations des engagements au titre des régimes à prestations définies” is an issuer-specific line, not mapped to a shared definition: OCI item not reclassified to profit or loss.
  2. “Variation de juste valeur des instruments de capitaux propres à la JV par OCI” is an issuer-specific line, not mapped to a shared definition: OCI item not reclassified to profit or loss.
  3. “Impôt sur les éléments non recyclables” is an issuer-specific line, not mapped to a shared definition: Tax on OCI items not reclassified (sign as printed).
  4. “Sous-total des éléments non recyclables” is an issuer-specific line, not mapped to a shared definition: Printed subtotal of OCI items not reclassified to profit or loss.
  5. “Revenus des titres à revenue variable 10.1.3” is an issuer-specific line, not mapped to a shared definition: Note 10.1.3: income from variable-income securities.
  6. “Gains ou pertes nets sur actifs financiers 10.1.3” is an issuer-specific line, not mapped to a shared definition: Note 10.1.3.
  7. “Autres Charges 10.1.3” is an issuer-specific line, not mapped to a shared definition: Note 10.1.3: other charges within 'Autres revenus' (printed 0).
  8. “Autres revenus” is an issuer-specific line, not mapped to a shared definition: Printed subtotal: dividend income, net gains on financial assets, other income and other charges.
  9. “Dotations aux amortissements et aux dépréciations des immobilisations 10.1.5” is an issuer-specific line, not mapped to a shared definition: Note 10.1.5.
  10. “Gains ou pertes nets sur autres actifs 10.1.8” is an issuer-specific line, not mapped to a shared definition: Note 10.1.8.

Balance sheet

Balance sheet, XOF millions. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Trésorerie et équivalent de trésorerie1 41,067 30,060
Actifs financiers à la juste valeur par résultat 15,897 21,505
Actifs financiers détenus à des fins de transaction 15,897 21,505
Actifs financiers à la juste valeur2 0 0
Actifs financiers au coût amorti3 1,711,508 1,402,322
Prêts et créances sur les établissements de crédit 51,371 25,090
Prêts et créances sur la clientèle 1,151,536 838,691
Obligations 508,602 538,541
Actifs financiers à la juste valeur par OCI 9,765 10,185
Instruments de capitaux propres comptabilisés par OCI4 9,765 10,185
Autres actifs 33,244 19,936
Comptes de régularisation actifs5 4,678 5,830
Actifs d'impôts courants 0 0
Actifs d'impôts différés 2,054 6,127
Actifs issus des contrats de location 5,533 4,627
Immeubles de placement 933 1,066
Immobilisations corporelles 17,588 12,799
Immobilisations incorporelles 2,333 2,394
TOTAL ACTIF 1,844,600 1,516,850
Passifs financiers au coût amorti6 1,670,897 1,371,332
Dettes envers les établissements de crédit 465,174 434,561
Dettes envers la clientèle 1,181,045 912,439
Emprunts à terme 24,679 24,332
Dettes locatives7 5,670 4,757
Passifs divers 21,020 11,574
Comptes de régularisation passif8 5,990 5,731
Passifs d'impôts courants 2,831 4,549
Passifs d'impôts différés 713 831
Provisions 2,360 3,454
Total Passif 1,709,482 1,402,230
Capital et primes liées9 83,136 83,136
Capital social 82,514 82,514
Primes d'émission 622 622
Réserves et résultat non affecté10 51,982 31,484
Réserves spéciales11 6,854 2,303
Réserves de réévaluation au titre des régimes de retraite12 184 155
Variation de juste valeur des instruments de capitaux propres à la JV par autres éléments du résultat global 1,646 1,940
Report à nouveau 7,062 (1,971)
Résultat net13 36,237 29,058
Total des capitaux propres 135,118 114,620
Total Passif et Capitaux propres 1,844,600 1,516,850
Notes and alternative reported figures (13)
  1. “Trésorerie et équivalent de trésorerie” is an issuer-specific line, not mapped to a shared definition: Cash and cash equivalents (bank layout; includes central-bank balances as presented).
  2. “Actifs financiers à la juste valeur” is an issuer-specific line, not mapped to a shared definition: Financial assets designated at fair value through profit or loss (within the FVTPL subtotal); printed 0.
  3. “Actifs financiers au coût amorti” is an issuer-specific line, not mapped to a shared definition: Printed subtotal: loans to credit institutions, loans to customers and bonds at amortised cost.
  4. “Instruments de capitaux propres comptabilisés par OCI” is an issuer-specific line, not mapped to a shared definition: Equity instruments at fair value through OCI.
  5. “Comptes de régularisation actifs” is an issuer-specific line, not mapped to a shared definition: Prepayments and accrued income (comptes de régularisation).
  6. “Passifs financiers au coût amorti” is an issuer-specific line, not mapped to a shared definition: Printed subtotal: amounts due to credit institutions, customer deposits and term borrowings.
  7. “Dettes locatives” is an issuer-specific line, not mapped to a shared definition: Lease liabilities (not split current/non-current).
  8. “Comptes de régularisation passif” is an issuer-specific line, not mapped to a shared definition: Accruals and deferred income (comptes de régularisation).
  9. “Capital et primes liées” is an issuer-specific line, not mapped to a shared definition: Printed subtotal: share capital and share premium.
  10. “Réserves et résultat non affecté” is an issuer-specific line, not mapped to a shared definition: Printed subtotal of reserves, retained earnings and the year's result.
  11. “Réserves spéciales” is an issuer-specific line, not mapped to a shared definition: Special reserves.
  12. “Réserves de réévaluation au titre des régimes de retraite” is an issuer-specific line, not mapped to a shared definition: Defined-benefit remeasurement reserve.
  13. “Résultat net” is an issuer-specific line, not mapped to a shared definition: The year's net result shown within equity.

Per share and shares

Per share and shares. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Earnings / (loss) per share (per share)21 627 503
Notes and alternative reported figures (2)
  1. “Résultat net par action”: mapping to a shared definition is uncertain. Printed 'Résultat net par action' (FCFA) without a basic/diluted distinction.
  2. Earnings / (loss) per share: printed as “Résultat net par action”.

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.

No dividend statement or amount collected.

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.

  • BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes

    Year ended 31 December 2025 · Published summary of audited statements (summary) · final status not established

    Audit: Auditor not stated (named); no auditor's opinion on the full statements in this document · no signature page in this document

    Final status: Published through the BRVM. The cover states 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1) and the first annex page 'NB: Informations certifies par les Commissaires aux comptes' (p17), but no auditor's report, auditor's name, signature or date and no board approval are printed anywhere in the 21 pages (text and renders pp1, 17-20).

    Document date
    none printed — undated
    Auditor's report
    date not found in this document
    Board approval
    date not found in this document
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    company statements · XOF millions (printed “En millions de FCFA”)
    • The text layer of pp17-18 contains a hidden column before the visible 31.12.2025 figures (full-FCFA amounts such as '41 066 533 629', some printed '############', and some that do not agree with the visible figures, e.g. 'Total des capitaux propres' 215 986 878 257 against the visible 135 118). Only the visible figures (millions of FCFA) are transcribed, read by OCR of the render. Bank layout: no current/non-current split; charges printed negative.
    • First IFRS statements: 'Comptes IFRS 2025 et comparatifs 2024 retraités' (p1); the 2024 column is the restated comparative and an opening balance at 01.01.2024 is printed (pp17-18, not transcribed).
    • Queue dt 'annual_report' / source_tier 'full'; the document is an activity report with annexed statements and a certification statement only, transcribed as a published summary.
    • No auditor's report on the publication or on the underlying statements is printed. The document states 'NB: Ces informations ont été certifiées par les Commissaires aux Comptes' (p1) and 'NB: Informations certifies par les Commissaires aux comptes' (p17).
    • Activity report (pp1-16: trajectory, environment, sector, key figures, ratios, IFRS 9, liquidity, first-time adoption, 2026 priorities) with annexed IFRS statements: situation financière (pp17-18, three columns incl. the 01.01.2024 opening balance), OCI (p19), compte de résultat (p20), changes in equity (p21). No cash-flow statement and no notes, although the income statement cites note numbers (10.1.1-10.1.9).
    Technical details
    File
    21 pages, with a text layer
    SHA-256
    b5940f76a0502976889f3c8afa0b8551d113b9973620d528e3a12110274612c2
    Entity as printed
    BIIC — Banque Internationale pour l'Industrie et le Commerce (logo, pp17-21)
    Exchange copy
    retrieved 2026-10-08T19:10:41Z

Data notes

  • Actifs issus des contrats de location — OCR read '4627'; the page image shows '4 627'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p17)
  • Immeubles de placement — OCR read '1066'; the page image shows '1 066'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p17)
  • Immobilisations incorporelles — OCR read '2333'; the page image shows '2 333'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p17)
  • Immobilisations incorporelles — OCR read '2394'; the page image shows '2 394'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p17)
  • Dettes envers la clientèle — OCR read '912439'; the page image shows '912 439'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Dettes locatives — OCR read '5670'; the page image shows '5 670'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Dettes locatives — OCR read '4757'; the page image shows '4 757'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Comptes de régularisation passif — OCR read '5990'; the page image shows '5 990'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Passifs d'impôts courants — OCR read '4549'; the page image shows '4 549'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Provisions — OCR read '3454'; the page image shows '3 454'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Variation de juste valeur des instruments de capitaux propres à la JV par autres éléments du résultat global — OCR read '1940'; the page image shows '1 940'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Report à nouveau — OCR read '-1971'; the page image shows '-1 971'. Thousands space not returned by OCR; grouped on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p18)
  • Commissions (charges) 10.1.2 — OCR read '-2474'; the page image shows '-2 474'. Thousands space not returned by OCR; '-2 474' on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p20)
  • Autres revenus — OCR read '1404'; the page image shows '1 404'. Thousands space not returned by OCR; '1 404' on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p20)
  • Frais de personnel 10.1.4 — OCR read '-4239'; the page image shows '-4 239'. Thousands space not returned by OCR; '-4 239' on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p20)
  • Dotations aux amortissements et aux dépréciations des immobilisations 10.1.5 — OCR read '-2383'; the page image shows '-2 383'. Thousands space not returned by OCR; '-2 383' on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p20)
  • Autres charges générales d'exploitation 10.1.6 — OCR read '8089'; the page image shows '-8 089'. OCR drops the minus sign and thousands space; '-8 089' on the render. (BIIC — Rapport d'activités IFRS 2025 (Comptes IFRS 2025 et comparatifs 2024 retraités), with Annexes, p20)

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to OCR text and compared cell by cell with 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.

Download

Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

· Company methodology and coverage