BVMT:BIAT 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 Income on Loans	1,504	1,498	1,410	1,157	1,004	998.23
Interest Paid on Deposits	843.53	792.83	707.46	569.44	500.54	486.64
Net Interest Income	660.39	705.47	702.63	587.12	503.53	511.59
Net Interest Income Growth (YoY)	-7.90%	0.40%	19.67%	16.60%	-1.58%	-7.90%
Income From Trading Activities	280.95	264.55	250.99	253.4	169.49	144.43
Gain (Loss) on Sale of Investments	-19.42	-24.46	-9.32	2.76	-11.53	-6.11
Other Non-Interest Income	874.94	780.27	650.28	574.62	461.58	378.01
Total Non-Interest Income	1,136	1,020	891.96	830.79	619.54	516.34
Non-Interest Income Growth (YoY)	26.06%	14.39%	7.36%	34.10%	19.99%	8.28%
Revenues Before Loan Losses	1,797	1,726	1,595	1,418	1,123	1,028
Provision for Loan Losses	299.17	277.21	342.6	365.02	250.54	154.17
Revenue	1,498	1,449	1,252	1,053	872.53	873.76
Revenue Growth (YoY)	13.85%	15.70%	18.91%	20.67%	-0.14%	-3.92%
Salaries and Employee Benefits	438.05	406.28	339.73	292.2	264.12	252.94
Occupancy Expenses	64.41	62.46	50.11	66.75	58.28	50.53
Other Non-Interest Expense	221.08	205.25	179.21	135.21	133.83	140.74
Total Non-Interest Expense	723.62	674.07	568.91	494.08	456.31	444.42
EBT Excluding Unusual Items	774.06	774.54	683.09	558.81	416.22	429.34
Other Unusual Items	0.01	0.01	-0.65	-1.25	-19.89	-28.7
Pretax Income	774.07	774.55	682.43	557.56	396.33	400.64
Income Tax Expense	302.34	329.16	276.65	208.08	88.18	100.95
Earnings From Continuing Operations	471.73	445.39	405.78	349.48	308.15	299.69
Minority Interest in Earnings	-65.99	-65.99	-47.19	-37.08	-24.72	-22.21
Net Income	405.74	379.41	358.59	312.4	283.43	277.48
Net Income to Common	405.74	379.41	358.59	312.4	283.43	277.48
Net Income Growth	13.03%	5.80%	14.79%	10.22%	2.15%	-19.52%
Basic Shares Outstanding	41	41	41	41	41	20
Diluted Shares Outstanding	41	41	41	41	41	20
Shares Change (YoY)	-	-	-	-	100.00%	-
EPS (Basic)	9.94	9.30	8.79	7.66	6.95	13.60
EPS (Diluted)	9.94	9.30	8.79	7.66	6.95	13.60
EPS Growth	13.03%	5.80%	14.79%	10.22%	-48.93%	-19.52%
Dividend Per Share	-	-	5.250	5.075	4.550	4.375
Dividend Growth	-	-	3.45%	11.54%	4.00%	-
Effective Tax Rate	39.06%	42.50%	40.54%	37.32%	22.25%	25.20%

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