Arab Tunisian Bank 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	703.64	654.35	537.54	482.84	524.87
Interest Paid on Deposits	445.64	431.38	365.26	335.54	382.04
Net Interest Income	258	222.97	172.28	147.3	142.83
Net Interest Income Growth (YoY)	15.71%	29.43%	16.96%	3.13%	24.91%
Income From Trading Activities	17.89	17.79	24.61	22.01	18.82
Gain (Loss) on Sale of Assets	0.49	0.81	0.83	0.32	0.87
Gain (Loss) on Sale of Investments	-7.98	-8.09	-11.9	-36.55	-7.32
Other Non-Interest Income	160.9	165.27	169.05	163.79	135.89
Total Non-Interest Income	171.29	175.78	182.58	149.57	148.26
Non-Interest Income Growth (YoY)	-2.55%	-3.73%	22.07%	0.88%	2.50%
Revenues Before Loan Losses	429.29	398.75	354.86	296.87	291.09
Provision for Loan Losses	110.25	128.51	76.73	114.23	68.67
Revenue	319.05	270.23	278.13	182.64	222.42
Revenue Growth (YoY)	18.06%	-2.84%	52.28%	-17.89%	8.92%
Salaries and Employee Benefits	162.14	146.41	134.67	127.36	115.3
Occupancy Expenses	22.08	20.5	16	20.59	16.29
Other Non-Interest Expense	84.26	86.52	84.06	74.39	65.53
Total Non-Interest Expense	266.56	252.63	234.21	221.66	196.68
EBT Excluding Unusual Items	52.49	17.61	43.92	-39.02	25.75
Other Unusual Items	-	-	-1.68	-14.65	-3.28
Pretax Income	52.49	17.61	42.24	-53.66	22.47
Income Tax Expense	6.33	5.36	2.53	2	4.91
Earnings From Continuing Operations	46.16	12.25	39.71	-55.67	17.56
Minority Interest in Earnings	-14.87	-12.41	-10.11	-5.77	-5.1
Net Income	31.29	-0.16	29.6	-61.44	12.46
Net Income to Common	31.29	-0.16	29.6	-61.44	12.46
Net Income Growth	-	-	-	-	41.30%
Basic Shares Outstanding	128	132	128	100	100
Diluted Shares Outstanding	128	132	128	100	100
Shares Change (YoY)	-2.79%	2.75%	28.07%	-0.41%	0.47%
EPS (Basic)	0.24	-0.00	0.23	-0.61	0.12
EPS (Diluted)	0.24	-0.00	0.23	-0.61	0.12
EPS Growth	-	-	-	-	40.64%
Effective Tax Rate	12.06%	30.43%	6.00%	-	21.85%

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