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BK GROUP (BKG) investor relations material
BK GROUP Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Delivered strong H1 2026 results with total operating income up 15.6% year-over-year to RWF 152.0 billion and net income up 8.6% to RWF 56.4 billion, driven by resilient core banking revenues and improved profitability across subsidiaries.
Strengthened balance sheet with total assets rising 2.9% year-to-date to RWF 2,984.5 billion and shareholders' equity up 6.9% to RWF 543.4 billion.
Financial highlights
Net interest income increased 14.8% year-over-year to RWF 124.5 billion, supported by interest income of RWF 150.7 billion and a lower cost of funds at 2.2%.
Net non-interest income rose 19.1% to RWF 27.5 billion, with fee and commission income up 28.5% and foreign exchange income down 26%.
Pre-provision operating profit grew 18.4% to RWF 99.1 billion; profit before tax up 10.6% to RWF 80.4 billion.
Client balances and deposits increased 11.7% year-to-date to RWF 2,105.4 billion.
Outlook and guidance
Positioned to deepen customer relationships and support economic activity across all markets, with continued investment in operating platform and growth businesses.
- Strong operating income growth offset by rising costs and higher NPLs, with robust capital ratios.BKG
Q1 2026 - Record profit, asset growth, and dividend yield drove strong shareholder returns in FY 2025.BKG
Q4 2025 - Net income up 19.8% year-over-year, with strong loan growth and improved efficiency.BKG
Q3 2025 - Net income up 8.6% year-over-year, with strong loan growth and robust capital ratios.BKG
Q2 2025 - Net income surged 26.1% year-over-year, with strong growth, efficiency, and stable asset quality.BKG
Q3 2024 - Net income jumped 29.5% in 1H 2024, with strong growth in assets and loans.BKG
Q2 2024 - Net income up 5.4% YoY, with strong asset growth, efficiency, and resilient segment performance.BKG
Q1 2025 - Net income rose 21.7% with strong asset growth and improved NPLs to 3.2%.BKG
Q4 2024
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