BVMT:BIAT Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	1,494	1,508	1,498	1,410	1,157	1,004
Interest Paid on Deposits	878.98	865.87	792.83	707.46	569.44	500.54
Net Interest Income	614.77	641.9	705.47	702.63	587.12	503.53
Net Interest Income Growth	-6.91%	-9.01%	0.40%	19.67%	16.60%	-1.58%
Income From Trading Activities	327.02	319.19	264.55	250.99	253.4	169.49
Gain (Loss) on Sale of Investments	-10.74	-12.07	-24.46	-9.32	2.76	-11.53
Other Non-Interest Income	1,011	977.51	780.27	650.28	574.62	461.58
Total Non-Interest Income	1,328	1,285	1,020	891.96	830.79	619.54
Non-Interest Income Growth	16.83%	25.90%	14.39%	7.36%	34.10%	19.99%
Revenues Before Loan Losses	1,942	1,927	1,726	1,595	1,418	1,123
Provision for Loan Losses	355.75	384.96	277.21	342.6	365.02	250.54
Revenue	1,587	1,542	1,449	1,252	1,053	872.53
Revenue Growth	5.94%	6.42%	15.70%	18.91%	20.67%	-0.14%
Salaries and Employee Benefits	497.98	480.64	406.28	339.73	292.2	264.12
Occupancy Expenses	62.45	59.96	62.46	50.11	66.75	58.28
Other Non-Interest Expense	187.94	189.47	205.25	179.21	135.21	133.83
Total Non-Interest Expense	748.72	730.42	674.07	568.91	494.08	456.31
EBT Excluding Unusual Items	837.98	811.15	774.54	683.09	558.81	416.22
Other Unusual Items	-2.81	-2.81	0.01	-0.65	-1.25	-19.89
Pretax Income	835.18	808.34	774.55	682.43	557.56	396.33
Income Tax Expense	259.6	258.08	329.16	276.65	208.08	88.18
Earnings From Continuing Operations	575.58	550.26	445.39	405.78	349.48	308.15
Minority Interest in Earnings	-83.11	-83.11	-65.99	-47.19	-37.08	-24.72
Net Income	492.47	467.15	379.41	358.59	312.4	283.43
Net Income to Common	492.47	467.15	379.41	358.59	312.4	283.43
Net Income Growth	21.38%	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	-	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%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	6.000	6.000	-	5.250	5.075	4.550
Dividend Growth	-	-	-	3.45%	11.54%	4.00%
Effective Tax Rate	31.08%	31.93%	42.50%	40.54%	37.32%	22.25%