Banque Internationale Arabe de Tunisie Société anonyme (BVMT:BIAT)

BVMT:BIAT Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,498	1,410	1,157	1,004	998.23
Interest Paid on Deposits	792.83	707.46	569.44	500.54	486.64
Net Interest Income	705.47	702.63	587.12	503.53	511.59
Net Interest Income Growth (YoY)	0.40%	19.67%	16.60%	-1.58%	-7.90%
Income From Trading Activities	264.55	250.99	253.4	169.49	144.43
Gain (Loss) on Sale of Investments	-24.46	-9.32	2.76	-11.53	-6.11
Other Non-Interest Income	780.27	650.28	574.62	461.58	378.01
Total Non-Interest Income	1,020	891.96	830.79	619.54	516.34
Non-Interest Income Growth (YoY)	14.39%	7.36%	34.10%	19.99%	8.28%
Revenues Before Loan Losses	1,726	1,595	1,418	1,123	1,028
Provision for Loan Losses	277.21	342.6	365.02	250.54	154.17
Revenue	1,449	1,252	1,053	872.53	873.76
Revenue Growth (YoY)	15.70%	18.91%	20.67%	-0.14%	-3.92%
Salaries and Employee Benefits	406.28	339.73	292.2	264.12	252.94
Occupancy Expenses	62.46	50.11	66.75	58.28	50.53
Other Non-Interest Expense	205.25	179.21	135.21	133.83	140.74
Total Non-Interest Expense	674.07	568.91	494.08	456.31	444.42
EBT Excluding Unusual Items	774.54	683.09	558.81	416.22	429.34
Other Unusual Items	0.01	-0.65	-1.25	-19.89	-28.7
Pretax Income	774.55	682.43	557.56	396.33	400.64
Income Tax Expense	329.16	276.65	208.08	88.18	100.95
Earnings From Continuing Operations	445.39	405.78	349.48	308.15	299.69
Minority Interest in Earnings	-65.99	-47.19	-37.08	-24.72	-22.21
Net Income	379.41	358.59	312.4	283.43	277.48
Net Income to Common	379.41	358.59	312.4	283.43	277.48
Net Income Growth	5.80%	14.79%	10.22%	2.15%	-19.52%
Basic Shares Outstanding	41	41	41	41	20
Diluted Shares Outstanding	41	41	41	41	20
Shares Change (YoY)	-	-	-	100.00%	-
EPS (Basic)	9.30	8.79	7.66	6.95	13.60
EPS (Diluted)	9.30	8.79	7.66	6.95	13.60
EPS Growth	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	42.50%	40.54%	37.32%	22.25%	25.20%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.