BVMT:BNA Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	1,565	1,605	1,345	1,168	1,109
Interest Paid on Deposits	1,278	1,149	892.69	689.44	691.6
Net Interest Income	286.41	455.52	451.83	478.88	417.25
Net Interest Income Growth (YoY)	-37.12%	0.82%	-5.65%	14.77%	5.37%
Gain (Loss) on Sale of Investments	0.23	-0.38	0.02	-0.6	-0.28
Other Non-Interest Income	818.71	669.81	562.38	433.91	274.28
Total Non-Interest Income	818.94	669.44	562.4	433.31	274
Non-Interest Income Growth (YoY)	22.33%	19.03%	29.79%	58.14%	3.59%
Revenues Before Loan Losses	1,105	1,125	1,014	912.19	691.24
Provision for Loan Losses	209.59	289.79	279.66	236.52	210.03
Revenue	895.76	835.17	734.57	675.67	481.21
Revenue Growth (YoY)	7.26%	13.69%	8.72%	40.41%	-10.82%
Salaries and Employee Benefits	320.92	313.86	295.63	299.49	220.58
Occupancy Expenses	21.9	22.67	23.56	20.11	13.92
Selling, General & Administrative	149.75	161.9	145.03	113	98.07
Other Non-Interest Expense	2.88	8.12	3.53	-25.34	-24.97
Total Non-Interest Expense	490.61	502.34	463.2	400.68	304.2
EBT Excluding Unusual Items	405.16	332.83	271.37	275	177.01
Other Unusual Items	1.14	-0.71	-3.57	-23.67	-14.14
Pretax Income	406.3	332.12	267.8	251.33	162.88
Income Tax Expense	120.22	90.96	85.51	71.43	45.43
Earnings From Continuing Operations	286.08	241.17	182.29	179.9	117.44
Minority Interest in Earnings	-21.77	-17.18	-12.38	-6.53	-9.8
Net Income	210.91	212.04	169.91	173.37	107.64
Net Income to Common	210.91	212.04	169.91	173.37	107.64
Net Income Growth	-0.54%	24.80%	-1.99%	61.06%	-17.85%
Basic Shares Outstanding	63	63	63	64	64
Diluted Shares Outstanding	63	63	63	64	64
Shares Change (YoY)	-0.00%	-0.01%	-0.62%	-0.02%	0.03%
EPS (Basic)	3.32	3.34	2.68	2.71	1.68
EPS (Diluted)	3.32	3.34	2.68	2.71	1.68
EPS Growth	-0.53%	24.81%	-1.38%	61.10%	-17.88%
Dividend Per Share	1.000	0.900	-	0.800	0.500
Dividend Growth	11.11%	-	-	60.00%	-
Effective Tax Rate	29.59%	27.39%	31.93%	28.42%	27.89%

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