BVMT:BNA 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	1,551	1,552	1,565	1,605	1,345	1,168
Interest Paid on Deposits	1,386	1,373	1,278	1,149	892.69	689.44
Net Interest Income	159.96	178.91	286.41	455.52	451.83	478.88
Net Interest Income Growth	-24.81%	-37.53%	-37.12%	0.82%	-5.65%	14.77%
Gain (Loss) on Sale of Investments	-0.37	-0.37	0.23	-0.38	0.02	-0.6
Other Non-Interest Income	1,112	1,069	818.71	669.81	562.38	433.91
Total Non-Interest Income	1,111	1,069	818.94	669.44	562.4	433.31
Non-Interest Income Growth	19.38%	30.54%	22.33%	19.03%	29.79%	58.14%
Revenues Before Loan Losses	1,271	1,248	1,105	1,125	1,014	912.19
Provision for Loan Losses	194.54	195.94	209.59	289.79	279.66	236.52
Revenue	1,077	1,052	895.76	835.17	734.57	675.67
Revenue Growth	13.57%	17.45%	7.26%	13.69%	8.72%	40.41%
Salaries and Employee Benefits	334.9	326.53	320.92	313.86	295.63	299.49
Occupancy Expenses	20.26	20.93	21.9	22.67	23.56	20.11
Selling, General & Administrative	208.62	203.04	149.75	161.9	145.03	113
Other Non-Interest Expense	7.89	16.17	1.74	8.12	3.53	-25.34
Total Non-Interest Expense	565.67	560.67	489.47	502.34	463.2	400.68
EBT Excluding Unusual Items	510.94	491.37	406.3	332.83	271.37	275
Other Unusual Items	-	-	-	-0.71	-3.57	-23.67
Pretax Income	510.94	491.37	406.3	332.12	267.8	251.33
Income Tax Expense	160.86	160.3	120.22	90.96	85.51	71.43
Earnings From Continuing Operations	350.08	331.07	286.08	241.17	182.29	179.9
Minority Interest in Earnings	-25.88	-25.88	-21.77	-17.18	-12.38	-6.53
Net Income	306.75	287.74	210.91	212.04	169.91	173.37
Net Income to Common	306.75	287.74	210.91	212.04	169.91	173.37
Net Income Growth	19.61%	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	-	-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%

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	-	-	1.000	0.900	-	0.800
Dividend Growth	-	-	11.11%	-	-	60.00%
Effective Tax Rate	31.48%	32.62%	29.59%	27.39%	31.93%	28.42%