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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	829.82	819.11	775.67	652.23	571.37
Interest Paid on Deposits	645.58	620.32	586.25	473.78	406.95
Net Interest Income	184.25	198.79	189.43	178.45	164.42
Net Interest Income Growth (YoY)	-7.32%	4.94%	6.15%	8.53%	5.75%
Gain (Loss) on Sale of Assets	-0.45	1.72	0.76	-0.09	1.1
Gain (Loss) on Sale of Investments	5.51	0.97	2.24	0.34	-6.54
Other Non-Interest Income	467.36	363.87	348.88	309.95	288.74
Total Non-Interest Income	472.41	366.57	351.88	310.19	283.3
Non-Interest Income Growth (YoY)	28.88%	4.17%	13.44%	9.49%	18.75%
Revenues Before Loan Losses	656.66	565.35	541.3	488.64	447.72
Provision for Loan Losses	78.16	80.28	86.67	115.76	102.54
Revenue	578.5	485.07	454.63	372.88	345.18
Revenue Growth (YoY)	19.26%	6.70%	21.93%	8.02%	17.03%
Salaries and Employee Benefits	184.9	162.43	154.74	141.51	130.95
Occupancy Expenses	15.06	9.8	8.39	9.86	9.95
Other Non-Interest Expense	79.12	62.14	62.34	47.95	48.47
Total Non-Interest Expense	265.15	203.27	211.65	187.16	182.4
EBT Excluding Unusual Items	313.35	281.81	242.98	185.71	162.78
Other Unusual Items	0.74	-6.59	-5.58	-2.24	-13.17
Pretax Income	314.09	275.22	237.4	183.47	149.62
Income Tax Expense	38.18	30.87	20.25	30.4	12.92
Earnings From Continuing Operations	275.91	244.35	217.15	153.07	136.7
Minority Interest in Earnings	-11.07	-0.8	-0.6	-0.49	-0.55
Net Income	264.84	243.55	216.55	152.58	136.15
Net Income to Common	264.84	243.55	216.55	152.58	136.15
Net Income Growth	8.74%	12.47%	41.93%	12.07%	38.30%
Basic Shares Outstanding	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35
EPS (Basic)	7.58	6.97	6.20	4.37	3.90
EPS (Diluted)	7.58	6.97	6.20	4.37	3.90
EPS Growth	8.75%	12.47%	41.92%	12.07%	38.31%
Dividend Per Share	-	3.300	2.375	1.552	1.100
Dividend Growth	-	38.96%	52.98%	41.17%	-32.56%
Effective Tax Rate	12.16%	11.22%	8.53%	16.57%	8.63%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.