Banque Nationale Agricole Société anonyme (BVMT:BNA)
Tunisia · Delayed Price · Currency is TND 18.90
+0.23 (1.23%)
At close: Jun 15, 2026
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 |
| 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% |