BVMT:BIAT 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	1,508	1,498	1,410	1,157	1,004
Interest Paid on Deposits	865.87	792.83	707.46	569.44	500.54
Net Interest Income	641.9	705.47	702.63	587.12	503.53
Net Interest Income Growth (YoY)	-9.01%	0.40%	19.67%	16.60%	-1.58%
Income From Trading Activities	319.19	264.55	250.99	253.4	169.49
Gain (Loss) on Sale of Investments	-12.07	-24.46	-9.32	2.76	-11.53
Other Non-Interest Income	977.51	780.27	650.28	574.62	461.58
Total Non-Interest Income	1,285	1,020	891.96	830.79	619.54
Non-Interest Income Growth (YoY)	25.90%	14.39%	7.36%	34.10%	19.99%
Revenues Before Loan Losses	1,927	1,726	1,595	1,418	1,123
Provision for Loan Losses	384.96	277.21	342.6	365.02	250.54
Revenue	1,542	1,449	1,252	1,053	872.53
Revenue Growth (YoY)	6.42%	15.70%	18.91%	20.67%	-0.14%
Salaries and Employee Benefits	480.64	406.28	339.73	292.2	264.12
Occupancy Expenses	59.96	62.46	50.11	66.75	58.28
Other Non-Interest Expense	189.47	205.25	179.21	135.21	133.83
Total Non-Interest Expense	730.42	674.07	568.91	494.08	456.31
EBT Excluding Unusual Items	811.15	774.54	683.09	558.81	416.22
Other Unusual Items	-2.81	0.01	-0.65	-1.25	-19.89
Pretax Income	808.34	774.55	682.43	557.56	396.33
Income Tax Expense	258.08	329.16	276.65	208.08	88.18
Earnings From Continuing Operations	550.26	445.39	405.78	349.48	308.15
Minority Interest in Earnings	-83.11	-65.99	-47.19	-37.08	-24.72
Net Income	467.15	379.41	358.59	312.4	283.43
Net Income to Common	467.15	379.41	358.59	312.4	283.43
Net Income Growth	23.13%	5.80%	14.79%	10.22%	2.15%
Basic Shares Outstanding	82	41	41	41	41
Diluted Shares Outstanding	82	41	41	41	41
Shares Change (YoY)	100.00%	-	-	-	100.00%
EPS (Basic)	5.72	9.30	8.79	7.66	6.95
EPS (Diluted)	5.72	9.30	8.79	7.66	6.95
EPS Growth	-38.44%	5.80%	14.79%	10.22%	-48.93%
Dividend Per Share	-	-	5.250	5.075	4.550
Dividend Growth	-	-	3.45%	11.54%	4.00%
Effective Tax Rate	31.93%	42.50%	40.54%	37.32%	22.25%

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