NSIA Banque CI half-year profit falls 11% as risk costs rise

Net banking income rose 6% in the first half of 2026, but higher provisions reduced net profit to CFA 14.5 billion.

By Chantal Hounkpatin · 24 October 2026 · 1 min read

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A view of the Plateau district in Abidjan in September 2016, used as an archive illustration. Abdel Moumen, CC BY-SA 2.0, via Wikimedia Commons.

NSIA Banque Côte d’Ivoire recorded net profit of CFA 14.5 billion in the first half of 2026, down 11% year on year, after a sharp rise in the cost of risk, according to financial statements published in the BRVM official bulletin on Friday 23 October.

Net banking income nevertheless increased 6% to CFA 53.7 billion. Net interest income rose 9% to CFA 37.4 billion, while commission income grew 1% to CFA 16.3 billion.

That growth was absorbed by a 55% rise in the cost of risk, from CFA 4.2 billion to CFA 6.5 billion. Operating expenses increased 7% to CFA 30.8 billion, lifting the cost-to-income ratio to 57.4% from 56.9% a year earlier.

The bank ended June with CFA 3,072 billion in assets, stable from December and 13% higher year on year. Deposits reached CFA 2,225 billion, up 15% year on year, while customer credit commitments fell 7% over six months to CFA 1,699 billion.

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