BH 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	1,007	1,119	1,077	941.52	843.19
Interest Paid on Deposits	749.17	734.9	719.24	568.44	500.33
Net Interest Income	258.25	383.8	357.59	373.08	342.85
Net Interest Income Growth (YoY)	-32.71%	7.33%	-4.15%	8.82%	12.02%
Income From Trading Activities	70.72	64.8	76.39	71.71	51.93
Gain (Loss) on Sale of Assets	-	0.48	0.12	0.23	0
Gain (Loss) on Sale of Investments	-1.96	-5.93	-0.25	-1.94	6.6
Other Non-Interest Income	441.86	392.09	310.67	266.64	226.06
Total Non-Interest Income	510.61	451.43	386.92	336.63	284.59
Non-Interest Income Growth (YoY)	13.11%	16.67%	14.94%	18.29%	13.08%
Revenues Before Loan Losses	768.87	835.23	744.51	709.72	627.44
Provision for Loan Losses	362.02	390.11	201.41	215.14	147.74
Revenue	406.85	445.12	543.1	494.58	479.7
Revenue Growth (YoY)	-8.60%	-18.04%	9.81%	3.10%	31.39%
Salaries and Employee Benefits	211.43	191.26	176.16	176.81	146.88
Occupancy Expenses	20.37	23.15	23.52	21.78	19.07
Other Non-Interest Expense	88.08	86.91	63.81	69.97	60.42
Total Non-Interest Expense	328.29	305.28	266.93	272.08	228.17
EBT Excluding Unusual Items	78.56	139.84	276.17	222.5	251.53
Other Unusual Items	-2.7	-7.81	-22.26	-9.72	-27.95
Pretax Income	75.85	132.03	253.91	212.78	223.58
Income Tax Expense	15.73	46.31	94.02	73.41	72.32
Earnings From Continuing Operations	60.12	85.72	159.89	139.37	151.26
Minority Interest in Earnings	-17.26	-14.7	-16.92	-14.22	-13.45
Net Income	42.86	71.03	142.98	125.15	137.81
Net Income to Common	42.86	71.03	142.98	125.15	137.81
Net Income Growth	-39.66%	-50.32%	14.25%	-9.19%	88.61%
Basic Shares Outstanding	48	48	48	48	48
Diluted Shares Outstanding	48	48	48	48	48
EPS (Basic)	0.90	1.49	3.00	2.63	2.90
EPS (Diluted)	0.90	1.49	3.00	2.63	2.90
EPS Growth	-39.66%	-50.32%	14.25%	-9.19%	88.61%
Dividend Per Share	-	0.400	1.100	1.200	-
Dividend Growth	-	-63.64%	-8.33%	-	-
Effective Tax Rate	20.74%	35.07%	37.03%	34.50%	32.35%

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