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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) (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

SIB

SIBC · Bourse Régionale des Valeurs Mobilières · Company statements

On this page
Company details
Legal name
Société Ivoirienne de Banque
Listing
SIBC 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 · summary financial statements, final status not established · source

Read with these figures

  • Summary financial 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

  • Summary financial statements for 2025: final status not established

    Published through the BRVM as the bank's 'Rapport d'activité 2025' with the bilan, hors bilan and compte de résultat (pp5-6). No auditor's report, no statement that the figures are audited, no signature, no date and no board approval date is printed (pp1-7, page images).

    Source: Rapport d'activité 2025 (with 'BILAN AU 31 DECEMBRE 2025', 'HORS BILAN AU 31 DECEMBRE 2025' and 'COMPTE DE RESULTAT AU 31 DECEMBRE 2025') (undated)

  • 2025, 2024: figures from a published summary

    These columns come from the issuer's summary financial statements, not its full financial statements; the summary does not state that its source statements were audited. The summary does not state its source. The statements follow the activity report under the headings 'BILAN AU 31 DECEMBRE 2025', 'HORS BILAN AU 31 DECEMBRE 2025' and 'COMPTE DE RESULTAT AU 31 DECEMBRE 2025' (pp5-6). No auditor's report on the summary is printed, and the document does not state whether the statements were audited (pp1-7). Bilan (actif and passif, p5), hors bilan and compte de résultat (p6) with 31/12/2024 and 31/12/2025 columns in millions of FCFA, plus variation columns. No cash-flow statement, statement of changes in equity, notes or earnings per share. The hors bilan and the variation columns are not transcribed.

    Source: Rapport d'activité 2025 (with 'BILAN AU 31 DECEMBRE 2025', 'HORS BILAN AU 31 DECEMBRE 2025' and 'COMPTE DE RESULTAT AU 31 DECEMBRE 2025') (undated)

  • PRODUIT NET BANCAIRE

    XOF 109 billion

    108,663 XOF millions · p6

    +5.7% vs 2024

    Printed 'PRODUIT NET BANCAIRE' (p6), 108 663 for 2025; the UMOA bank format prints no net-interest-margin subtotal.

  • RESULTAT D'EXPLOITATION

    XOF 63.1 billion

    63,095 XOF millions · p6

    +9.8% vs 2024

    Printed 'RESULTAT D'EXPLOITATION' (p6), 63 095.

  • RESULTAT NET

    XOF 55.6 billion

    55,623 XOF millions · p6

    +10.7% vs 2024

    Printed 'RESULTAT NET' (p6), 55 623.

  • Total assets

    XOF 1.88 trillion

    1,881,733 XOF millions · p5

    +11.7% vs 2024

    Printed 'TOTAL ACTIF' (p5), 1 881 733.

  • DETTES A L'EGARD DE LA CLIENTELE

    XOF 1.50 trillion

    1,503,441 XOF millions · p5

    +7.5% vs 2024

    Printed 'DETTES A L'EGARD DE LA CLIENTELE' (p5), 1 503 441.

  • CAPITAUX PROPRES ET RESSOURCES ASSIMILEES

    XOF 205 billion

    204,765 XOF millions · p5

    +9.4% vs 2024

    Printed 'CAPITAUX PROPRES ET RESSOURCES ASSIMILEES' (p5), 204 765.

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 — summary financial statements (summary), final status not established; reported for the year · source
  • FY2024 — summary financial statements (summary), final status not established; comparative in the FY2025 filing · source
    • 2025, 2024: figures from a published summary. These columns come from the issuer's summary financial statements, not its full financial statements; the summary does not state that its source statements were audited. The summary does not state its source. The statements follow the activity report under the headings 'BILAN AU 31 DECEMBRE 2025', 'HORS BILAN AU 31 DECEMBRE 2025' and 'COMPTE DE RESULTAT AU 31 DECEMBRE 2025' (pp5-6). No auditor's report on the summary is printed, and the document does not state whether the statements were audited (pp1-7). Bilan (actif and passif, p5), hors bilan and compte de résultat (p6) with 31/12/2024 and 31/12/2025 columns in millions of FCFA, plus variation columns. No cash-flow statement, statement of changes in equity, notes or earnings per share. The hors bilan and the variation columns are not transcribed.

Income statement

Income statement, XOF millions. Columns: FY2025 — summary financial statements (final status not established), as reported for the year; FY2024 — summary financial statements (final status not established), comparative reported in the summary financial statements for 2025.
Line (as printed) FY2025Summary financial statements (summary)reported for the yearFY2024Summary financial statements (summary)comparative in FY2025 filingsource limitations
INTERETS ET PRODUITS ASSIMILES 91,138 87,915
INTERETS ET CHARGES ASSIMILEES (16,320) (16,396)
REVENUS DES TITRES A REVENU VARIABLE1 396 525
COMMISSIONS PRODUITS 29,714 29,518
COMMISSIONS CHARGES (4,594) (5,172)
GAINS OU PERTES NETS SUR OPERATIONS2 4,179 3,524
GAINS OU PERTES NETS SUR OPERATIONS3 4,144 2,759
AUTRES PRODUITS D'EXPLOITATION BANCAIRE4 172 195
AUTRES CHARGES D'EXPLOITATION BANCAIRE5 (164) (103)
PRODUIT NET BANCAIRE 108,663 102,763
SUBVENTION D'INVESTISSEMENT6 0 0
CHARGES GENERALES D'EXPLOITATION (38,800) (36,892)
DOTATIONS AUX AMORTISSEMENTS7 (3,129) (3,237)
RESULTAT BRUT D'EXPLOITATION 66,734 62,635
COÛT DU RISQUE (3,639) (5,194)
RESULTAT D'EXPLOITATION 63,095 57,440
GAINS OU PERTES NETS SUR ACTIFS IMMOBILISES8 (107) 28
RESULTAT AVANT IMPÔTS 62,988 57,468
IMPÔTS SUR LES BENEFICES (7,365) (7,234)
RESULTAT NET 55,623 50,234
Notes and alternative reported figures (8)
  1. “REVENUS DES TITRES A REVENU VARIABLE” is an issuer-specific line, not mapped to a shared definition: C3: dividend and similar income from variable-income securities.
  2. “GAINS OU PERTES NETS SUR OPERATIONS” is an issuer-specific line, not mapped to a shared definition: C6.
  3. “GAINS OU PERTES NETS SUR OPERATIONS” is an issuer-specific line, not mapped to a shared definition: C7.
  4. “AUTRES PRODUITS D'EXPLOITATION BANCAIRE” is an issuer-specific line, not mapped to a shared definition: C8.
  5. “AUTRES CHARGES D'EXPLOITATION BANCAIRE” is an issuer-specific line, not mapped to a shared definition: C9 (printed negative).
  6. “SUBVENTION D'INVESTISSEMENT” is an issuer-specific line, not mapped to a shared definition: C11 (printed 0 in both years).
  7. “DOTATIONS AUX AMORTISSEMENTS” is an issuer-specific line, not mapped to a shared definition: C13 (printed negative).
  8. “GAINS OU PERTES NETS SUR ACTIFS IMMOBILISES” is an issuer-specific line, not mapped to a shared definition: C17.

Balance sheet

Balance sheet, XOF millions. Columns: FY2025 — summary financial statements (final status not established), as reported for the year; FY2024 — summary financial statements (final status not established), comparative reported in the summary financial statements for 2025.
Line (as printed) FY2025Summary financial statements (summary)reported for the yearFY2024Summary financial statements (summary)comparative in FY2025 filingsource limitations
CAISSE BANQUE CENTRALE, CCP 98,820 94,152
EFFETS PUBLICS ET VALEURS ASSIMILEES1 375,561 382,669
CREANCES INTERBANCAIRES ET ASSIMILEES 61,521 55,224
CREANCES SUR LA CLIENTELE 1,226,720 1,101,236
OBLIGATIONS ET AUTRES TITRES A REVENUS FIXES2 –3 –3
ACTIONS ET AUTRES TITRES A REVENUS VARIABLES4 48,501 7,044
ACTIONNARES OU ASSOCIES5 –3 –3
AUTRES ACTIFS 41,759 21,865
COMPTE DE REGULARISATION6 1,031 4,592
PARTICIPATIONS ET AUTRES TITRES DETENUS A LONG TERME7 263 263
PARTS DANS LES ENTREPRISES LIEES8 597 597
PRETS SUBORDONNES9 400 400
IMMOBILISATIONS INCORPORELLES 965 706
IMMOBILISATIONS CORPORELLES 25,594 16,500
TOTAL ACTIF 1,881,733 1,685,249
BANQUE CENTRALE, CCP10 –11 –11
DETTES INTERBANCAIRES ET ASSIMLEES 104,261 44,655
DETTES A L'EGARD DE LA CLIENTELE 1,503,441 1,398,752
DETTES REPRESENTEES PAR UN TITRE12 –11 –11
AUTRES PASSIFS 42,914 29,302
COMPTES DE REGULARISATION13 12,229 11,336
PROVISIONS 14,124 12,059
EMPRUNTS ET TITRES EMIS SUBORDONNES14 –11 2,010
CAPITAUX PROPRES ET RESSOURCES ASSIMILEES 204,765 187,136
CAPITAL SOUSCRIT 20,000 20,000
PRIMES LIEES AU CAPITAL –15 –15
RESERVES16 129,141 116,902
ECARTS DE REEVALUATION –15 –15
PROVISIONS REGLEMENTEES17 –15 –15
REPORT A NOUVEAU –15 –15
RESULTAT DE L'EXERCICE18 55,623 50,234
TOTAL PASSIF 1,881,733 1,685,249
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_equity_and_liabilities.
  3. Printed “-”, read as nil: subtotal_arithmetic: bs.total_equity.
Notes and alternative reported figures (15)
  1. “EFFETS PUBLICS ET VALEURS ASSIMILEES” is an issuer-specific line, not mapped to a shared definition: A2: government securities (treasury bills and bonds) and similar.
  2. “OBLIGATIONS ET AUTRES TITRES A REVENUS FIXES” is an issuer-specific line, not mapped to a shared definition: A5: bonds and other fixed-income securities (printed '-').
  3. “ACTIONS ET AUTRES TITRES A REVENUS VARIABLES” is an issuer-specific line, not mapped to a shared definition: A6: shares and other variable-income securities.
  4. “ACTIONNARES OU ASSOCIES” is an issuer-specific line, not mapped to a shared definition: A7: amounts due from shareholders (printed '-'; label printed 'ACTIONNARES').
  5. “COMPTE DE REGULARISATION” is an issuer-specific line, not mapped to a shared definition: A9: accruals and prepayments (assets).
  6. “PARTICIPATIONS ET AUTRES TITRES DETENUS A LONG TERME” is an issuer-specific line, not mapped to a shared definition: A10: equity participations and other long-term securities.
  7. “PARTS DANS LES ENTREPRISES LIEES” is an issuer-specific line, not mapped to a shared definition: A11: shares in related companies.
  8. “PRETS SUBORDONNES” is an issuer-specific line, not mapped to a shared definition: A12: subordinated loans granted.
  9. “BANQUE CENTRALE, CCP” is an issuer-specific line, not mapped to a shared definition: P1: amounts due to central banks and postal accounts (printed '-').
  10. “DETTES REPRESENTEES PAR UN TITRE” is an issuer-specific line, not mapped to a shared definition: P4: debt securities issued (printed '-').
  11. “COMPTES DE REGULARISATION” is an issuer-specific line, not mapped to a shared definition: P6: accruals and deferred income (liabilities).
  12. “EMPRUNTS ET TITRES EMIS SUBORDONNES” is an issuer-specific line, not mapped to a shared definition: P8: subordinated borrowings and securities.
  13. “RESERVES” is an issuer-specific line, not mapped to a shared definition: P12: reserves.
  14. “PROVISIONS REGLEMENTEES” is an issuer-specific line, not mapped to a shared definition: P14: regulated provisions (printed '-').
  15. “RESULTAT DE L'EXERCICE” is an issuer-specific line, not mapped to a shared definition: P16: the year's result within equity.

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.

  • Rapport d'activité 2025 (with 'BILAN AU 31 DECEMBRE 2025', 'HORS BILAN AU 31 DECEMBRE 2025' and 'COMPTE DE RESULTAT AU 31 DECEMBRE 2025')

    Year ended 31 December 2025 · Summary financial 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 as the bank's 'Rapport d'activité 2025' with the bilan, hors bilan and compte de résultat (pp5-6). No auditor's report, no statement that the figures are audited, no signature, no date and no board approval date is printed (pp1-7, page images).

    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 activity report states that the board will propose to the AGM a gross dividend of 425 XOF per share (p4); not recorded as a fact.
    • Columns are printed comparative first (31/12/2024, 31/12/2025). Bank layout: no total-liabilities line; 'CAPITAUX PROPRES ET RESSOURCES ASSIMILEES' (P9) totals lines P10-P16 (2025: the lines add to 204 764 against 204 765 printed, rounding in millions). Charges are printed negative. Labels printed with misspellings ('ACTIONNARES', 'ASSIMLEES') are kept as printed.
    • No auditor's report on the summary is printed, and the document does not state whether the statements were audited (pp1-7).
    • Bilan (actif and passif, p5), hors bilan and compte de résultat (p6) with 31/12/2024 and 31/12/2025 columns in millions of FCFA, plus variation columns. No cash-flow statement, statement of changes in equity, notes or earnings per share. The hors bilan and the variation columns are not transcribed.
    Technical details
    File
    7 pages, with a text layer
    SHA-256
    877fa7697106112ec65f6740bdf413604ea8cec67666344b54371e14aabc762e
    Entity as printed
    Société Ivoirienne de Banque (SIB), Groupe Attijariwafa bank (pp2, 4)
    Exchange copy
    retrieved 2026-10-08T19:04:51Z

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) (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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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.

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