Arab Tunisian Bank 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	669.08	703.64	654.35	537.54	482.84
Interest Paid on Deposits	458.43	445.64	431.38	365.26	335.54
Net Interest Income	210.64	258	222.97	172.28	147.3
Net Interest Income Growth (YoY)	-18.36%	15.71%	29.43%	16.96%	3.13%
Income From Trading Activities	20.44	17.89	17.79	24.61	22.01
Gain (Loss) on Sale of Assets	-	0.49	0.81	0.83	0.32
Gain (Loss) on Sale of Investments	-5.36	-7.98	-8.09	-11.9	-36.55
Other Non-Interest Income	173.56	160.9	165.27	169.05	163.79
Total Non-Interest Income	188.64	171.29	175.78	182.58	149.57
Non-Interest Income Growth (YoY)	10.13%	-2.55%	-3.73%	22.07%	0.88%
Revenues Before Loan Losses	399.28	429.29	398.75	354.86	296.87
Provision for Loan Losses	99.54	110.25	128.51	76.73	114.23
Revenue	299.74	319.05	270.23	278.13	182.64
Revenue Growth (YoY)	-6.05%	18.06%	-2.84%	52.28%	-17.89%
Salaries and Employee Benefits	188.07	162.14	146.41	134.67	127.36
Occupancy Expenses	26.03	22.08	20.5	16	20.59
Other Non-Interest Expense	82.82	84.26	86.52	84.06	74.39
Total Non-Interest Expense	295.19	266.56	252.63	234.21	221.66
EBT Excluding Unusual Items	4.55	52.49	17.61	43.92	-39.02
Other Unusual Items	-	-	-	-1.68	-14.65
Pretax Income	4.55	52.49	17.61	42.24	-53.66
Income Tax Expense	13.02	6.33	5.36	2.53	2
Earnings From Continuing Operations	-8.47	46.16	12.25	39.71	-55.67
Minority Interest in Earnings	-15.97	-14.87	-12.41	-10.11	-5.77
Net Income	-24.44	31.29	-0.16	29.6	-61.44
Net Income to Common	-24.44	31.29	-0.16	29.6	-61.44
Basic Shares Outstanding	-	128	132	128	100
Diluted Shares Outstanding	-	128	132	128	100
Shares Change (YoY)	-	-2.79%	2.75%	28.07%	-0.41%
EPS (Basic)	-	0.24	-0.00	0.23	-0.61
EPS (Diluted)	-	0.24	-0.00	0.23	-0.61
Effective Tax Rate	285.96%	12.06%	30.43%	6.00%	-

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