BVMT:BHL Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	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 and Dividend Income	40.92	41.26	37.03	35.38	34.03	30.85
Total Interest Expense	23.4	23.21	22.17	19.66	20.67	25.25
Net Interest Income	17.51	18.05	14.86	15.72	13.36	5.61
Other Revenue	0.12	0.63	-0.41	0.04	0.32	2.85
Revenue Before Loan Losses	17.63	18.68	14.46	15.76	13.68	8.45
Provision for Loan Losses	2.94	2.68	2.73	5.23	3.89	1.84
Revenue	14.69	16	11.73	10.52	9.79	6.62
Revenue Growth (YoY)	9.05%	36.44%	11.43%	7.48%	47.99%	-
Salaries & Employee Benefits	7.92	7.64	6.86	5.76	5.28	4.34
Cost of Services Provided	1.12	1.22	1.07	1.03	1.24	0.86
Other Operating Expenses	1.88	1.8	1.03	1.72	1.94	1.51
Total Operating Expenses	11.41	11.14	9.43	8.78	8.77	7.01
Operating Income	3.29	4.86	2.3	1.75	1.02	-0.4
Currency Exchange Gain (Loss)	-0.01	-0.01	-0.01	-0	-0	-0
EBT Excluding Unusual Items	3.75	5.38	3.65	2	1.2	-0.33
Gain (Loss) on Sale of Investments	0.04	-	-0.41	0.04	0.02	-0.12
Other Unusual Items	0	-	-	-	-	-0.01
Pretax Income	3.79	5.38	3.23	2.04	1.21	-0.45
Income Tax Expense	1.64	1.48	0.08	0.08	0.07	0.06
Earnings From Continuing Ops.	2.15	3.9	3.15	1.96	1.14	-0.51
Net Income	2.15	3.9	3.15	1.96	1.14	-0.51
Net Income to Common	2.15	3.9	3.15	1.96	1.14	-0.51
Net Income Growth	-46.43%	23.79%	60.57%	72.01%	-	-
Shares Outstanding (Basic)	7	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7	7
EPS (Basic)	0.31	0.56	0.45	0.28	0.16	-0.07
EPS (Diluted)	0.31	0.56	0.45	0.28	0.16	-0.07
EPS Growth	-46.43%	23.79%	60.57%	72.01%	-	-
Free Cash Flow	-8.11	-6.4	1.2	10.84	11.1	33.68
Free Cash Flow Per Share	-1.16	-0.92	0.17	1.55	1.59	4.81
Operating Margin	22.36%	30.35%	19.58%	16.60%	10.40%	-6.01%
Profit Margin	14.65%	24.37%	26.86%	18.64%	11.65%	-7.75%
Free Cash Flow Margin	-55.18%	-40.01%	10.21%	102.98%	113.39%	509.02%
Effective Tax Rate	43.28%	27.55%	2.56%	3.90%	6.03%	-

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.