BVMT:BHL 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 and Dividend Income	42.98	41.26	37.03	35.38	34.03
Total Interest Expense	24.18	23.21	22.17	19.66	20.67
Net Interest Income	18.8	18.05	14.86	15.72	13.36
Other Revenue	-0.36	0.63	-0.41	0.04	0.32
Revenue Before Loan Losses	18.44	18.68	14.46	15.76	13.68
Provision for Loan Losses	3.03	2.68	2.73	5.23	3.89
Revenue	15.41	16	11.73	10.52	9.79
Revenue Growth (YoY)	-3.70%	36.44%	11.43%	7.48%	47.99%
Salaries & Employee Benefits	8.62	7.64	6.86	5.76	5.28
Cost of Services Provided	1.28	1.22	1.07	1.03	1.24
Other Operating Expenses	1.98	1.8	1.03	1.72	1.94
Total Operating Expenses	12.39	11.14	9.43	8.78	8.77
Operating Income	3.02	4.86	2.3	1.75	1.02
Currency Exchange Gain (Loss)	-0	-0.01	-0.01	-0	-0
EBT Excluding Unusual Items	3.42	5.38	3.65	2	1.2
Gain (Loss) on Sale of Investments	0.1	-	-0.41	0.04	0.02
Pretax Income	3.52	5.38	3.23	2.04	1.21
Income Tax Expense	0.66	1.48	0.08	0.08	0.07
Earnings From Continuing Ops.	2.85	3.9	3.15	1.96	1.14
Net Income	2.85	3.9	3.15	1.96	1.14
Net Income to Common	2.85	3.9	3.15	1.96	1.14
Net Income Growth	-26.79%	23.79%	60.57%	72.01%	-
Shares Outstanding (Basic)	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7
EPS (Basic)	0.41	0.56	0.45	0.28	0.16
EPS (Diluted)	0.41	0.56	0.45	0.28	0.16
EPS Growth	-26.79%	23.79%	60.57%	72.01%	-
Free Cash Flow	-23.63	-18.54	1.2	10.84	11.1
Free Cash Flow Per Share	-3.38	-2.65	0.17	1.55	1.59
Dividend Per Share	0.100	-	-	-	-
Operating Margin	19.59%	30.35%	19.58%	16.60%	10.40%
Profit Margin	18.52%	24.37%	26.86%	18.64%	11.65%
Free Cash Flow Margin	-153.33%	-115.87%	10.21%	102.98%	113.39%
Effective Tax Rate	18.88%	27.55%	2.56%	3.90%	6.03%