BVMT:BNA 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	1,552	1,565	1,605	1,345	1,168
Interest Paid on Deposits	1,373	1,278	1,149	892.69	689.44
Net Interest Income	178.91	286.41	455.52	451.83	478.88
Net Interest Income Growth (YoY)	-37.53%	-37.12%	0.82%	-5.65%	14.77%
Gain (Loss) on Sale of Investments	-0.37	0.23	-0.38	0.02	-0.6
Other Non-Interest Income	1,069	818.71	669.81	562.38	433.91
Total Non-Interest Income	1,069	818.94	669.44	562.4	433.31
Non-Interest Income Growth (YoY)	30.54%	22.33%	19.03%	29.79%	58.14%
Revenues Before Loan Losses	1,248	1,105	1,125	1,014	912.19
Provision for Loan Losses	195.94	209.59	289.79	279.66	236.52
Revenue	1,052	895.76	835.17	734.57	675.67
Revenue Growth (YoY)	17.45%	7.26%	13.69%	8.72%	40.41%
Salaries and Employee Benefits	326.53	320.92	313.86	295.63	299.49
Occupancy Expenses	20.93	21.9	22.67	23.56	20.11
Selling, General & Administrative	203.04	149.75	161.9	145.03	113
Other Non-Interest Expense	16.17	1.74	8.12	3.53	-25.34
Total Non-Interest Expense	560.67	489.47	502.34	463.2	400.68
EBT Excluding Unusual Items	491.37	406.3	332.83	271.37	275
Other Unusual Items	-	-	-0.71	-3.57	-23.67
Pretax Income	491.37	406.3	332.12	267.8	251.33
Income Tax Expense	160.3	120.22	90.96	85.51	71.43
Earnings From Continuing Operations	331.07	286.08	241.17	182.29	179.9
Minority Interest in Earnings	-25.88	-21.77	-17.18	-12.38	-6.53
Net Income	287.74	210.91	212.04	169.91	173.37
Net Income to Common	287.74	210.91	212.04	169.91	173.37
Net Income Growth	36.43%	-0.54%	24.80%	-1.99%	61.06%
Basic Shares Outstanding	63	63	63	63	64
Diluted Shares Outstanding	63	63	63	63	64
Shares Change (YoY)	-0.01%	-0.00%	-0.01%	-0.62%	-0.02%
EPS (Basic)	4.53	3.32	3.34	2.68	2.71
EPS (Diluted)	4.53	3.32	3.34	2.68	2.71
EPS Growth	36.44%	-0.53%	24.81%	-1.38%	61.10%
Dividend Per Share	-	1.000	0.900	-	0.800
Dividend Growth	-	11.11%	-	-	60.00%
Effective Tax Rate	32.62%	29.59%	27.39%	31.93%	28.42%

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