Amen Bank Société anonyme Income Statement

Financials in millions TND. Fiscal year is January - December.

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	819.11	775.67	652.23	571.37	601.21
Interest Paid on Deposits	620.32	586.25	473.78	406.95	445.72
Net Interest Income	198.79	189.43	178.45	164.42	155.49
Net Interest Income Growth (YoY)	4.94%	6.15%	8.53%	5.75%	0.27%
Gain (Loss) on Sale of Assets	1.72	0.76	-0.09	1.1	-0.26
Gain (Loss) on Sale of Investments	0.97	2.24	0.34	-6.54	-0.73
Other Non-Interest Income	363.87	348.88	309.95	288.74	239.54
Total Non-Interest Income	366.57	351.88	310.19	283.3	238.56
Non-Interest Income Growth (YoY)	4.17%	13.44%	9.49%	18.75%	-2.45%
Revenues Before Loan Losses	565.35	541.3	488.64	447.72	394.04
Provision for Loan Losses	80.28	86.67	115.76	102.54	99.08
Revenue	485.07	454.63	372.88	345.18	294.96
Revenue Growth (YoY)	6.70%	21.93%	8.02%	17.03%	-6.28%
Salaries and Employee Benefits	162.43	154.74	141.51	130.95	115.95
Occupancy Expenses	9.8	8.39	9.86	9.95	7.51
Other Non-Interest Expense	66.29	62.34	47.95	48.47	46.26
Total Non-Interest Expense	207.41	211.65	187.16	182.4	160.52
EBT Excluding Unusual Items	277.66	242.98	185.71	162.78	134.44
Other Unusual Items	-2.44	-5.58	-2.24	-13.17	-11.63
Pretax Income	275.22	237.4	183.47	149.62	122.81
Income Tax Expense	30.87	20.25	30.4	12.92	23.69
Earnings From Continuing Operations	244.35	217.15	153.07	136.7	99.13
Minority Interest in Earnings	-0.8	-0.6	-0.49	-0.55	-0.69
Net Income	243.55	216.55	152.58	136.15	98.44
Net Income to Common	243.55	216.55	152.58	136.15	98.44
Net Income Growth	12.47%	41.93%	12.07%	38.30%	-32.83%
Basic Shares Outstanding	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35
EPS (Basic)	6.97	6.20	4.37	3.90	2.82
EPS (Diluted)	6.97	6.20	4.37	3.90	2.82
EPS Growth	12.47%	41.92%	12.07%	38.31%	-32.83%
Dividend Per Share	3.300	2.375	1.552	1.100	1.630
Dividend Growth	38.96%	52.98%	41.17%	-32.56%	-
Effective Tax Rate	11.22%	8.53%	16.57%	8.63%	19.29%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.