The National Bank for Agricultural Development of Mali (BNDA) achieved a pre-tax result of 12.3
billion CFA francs and a net result of nearly 10 billion CFA francs before increasing its equity and
assimilated to 66 billion FCFA in 2019, an increase of 11%.
The BNDA has improved its financial performance by creating greater added value. Thus, the
Net Banking Income (GNP) increases from CFAF 36.5 billion to CFAF 40 billion in 2019, i.e. one
10% increase
Meanwhile, there is a 51% lower operating coefficient. With a balance sheet total of 498
billion FCFA, the BNDA improves its position in the pack of head of the Malian banking system while
remaining the leading financial partner of Malian agriculture.
These performances have been achieved thanks to a constant adaptation of the means of production to
many challenges. It was able to improve its performance despite a difficult context marked by scarcity and
increased costs of financial resources and the security crisis accentuating the insolvency of customers. Dans
at the same time, the bank continued the digital project, the organizational reform and the implementation of
regulatory reforms.
Indeed, the 2019 financial year is the year of confirmation of the executive's commitment, through the orientations
frank and enlightened directors, to create more value in the short, medium and long term for our
shareholders on the one hand, and on the other hand to strengthen the financial structure to deal with the
possible future crises.
267 billion FCFA in 2019 in the financing of agriculture
Dedicated to its vocation as an agricultural bank, it injected 267 billion FCFA in 2019 in the financing of
agriculture while it has devoted 80 billion CFA francs to the financing of equipment and housing
individuals. As for SMEs, the volume of commitments to them increased by 44% in
from CFAF 87 billion 099 million in 2018 to CFAF 125 billion 703 million in 2019.
Over the past year, the BNDA has granted CFA women or women managed by them, women's groups or women employees in the public, private,
the army or para military.
At the same time, the bank supported seven (7) microfinance institutions for an amount of 2
929 million CFA francs against 2 billion 600 million CFA francs in 2018, an increase of
12%.
What's more, the green bank has contributed to national solidarity, notably through taxes paid to
the State in clear progress in accordance with the evolution of the activity. Taxes paid total 13 billion
FCFA in 2019 against 12 billion FCFA in 2018.
In terms of deposits, customers have more confidence in the BNDA as evidenced by the evolution of
deposits of the different segments of the client. Debts owed to the client (including debts
attached) increase by 5% (16 billion) and stand at 325 billion FCFA at 31 December 2019.

The economy financed to the tune of 506 billion CFA francs, 53% of which is for agriculture
Similarly, the credit activity is developing and is aimed at all sectors of the Malian economy, agriculture
remaining the bank's core business. The annual financing of the Malian economy by the BNDA
increases by 10% (46 billion) and stands at 506 billion FCFA in 2019, of which 53% for agriculture.
The financial institution increased its overall business volume and improved its positioning in relation to
competition. It holds 11.2% of bank deposits, 12.5% of bank loans as at 30 September
2019.
Retail banking
The BNDA had 331,084 customers at December 31, 2019, up 6% or 18,557 new customers.
It remains a local bank and contributes to improving the banking of the population
Malian through 48 points of sale, 72 automated teller machines (ATMs) and diversified services offered.
It should be noted that the year ended December 31, 2019 represents the first full
instructions for circulars of the BCEAO, Basel 2 and 3 reforms. It is also the quatriéme
year of the BNDA's Medium-Term Development Plan 2016-2020 (PMT6) and which will serve as
reference for the next PMT7 2021-2025.