BVMT:BT Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	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	670.81	665.93	602.16	491.11	441.6	453.47
Interest Paid on Deposits	375.73	359.94	306.73	244.86	205.37	220.96
Net Interest Income	295.08	305.99	295.43	246.26	236.23	232.51
Net Interest Income Growth (YoY)	-7.06%	3.57%	19.97%	4.25%	1.60%	0.42%
Income From Trading Activities	-	-	-	-	21.45	-
Gain (Loss) on Sale of Investments	-0.49	-0.29	-2.82	0.66	-8.22	-0.63
Other Non-Interest Income	225.37	212.34	198.21	182.56	128.31	147.92
Total Non-Interest Income	224.88	212.05	195.38	183.22	141.53	147.28
Non-Interest Income Growth (YoY)	10.79%	8.53%	6.64%	29.46%	-3.90%	14.08%
Revenues Before Loan Losses	519.96	518.05	490.81	429.48	377.76	379.79
Provision for Loan Losses	37.45	33.17	59.43	40.65	14.47	74.84
Revenue	482.51	484.88	431.39	388.83	363.29	304.95
Revenue Growth (YoY)	4.97%	12.40%	10.95%	7.03%	19.13%	-5.43%
Salaries and Employee Benefits	112.72	110.6	102.05	99.28	92.61	73.52
Occupancy Expenses	10.91	12.3	10.65	10.92	11	10.53
Amortization of Goodwill & Intangibles	0.53	0.53	0.57	0.57	0.66	0.72
Selling, General & Administrative	5.96	5.96	5.72	4.67	4.28	3.98
Other Non-Interest Expense	22.25	19.18	24.13	24.66	29.99	33.1
Total Non-Interest Expense	138.97	135.18	132.08	134.41	134.61	115.53
EBT Excluding Unusual Items	343.54	349.7	299.31	254.42	228.68	189.42
Other Unusual Items	-10.14	-11.07	-9.31	-0	-0.1	-6.65
Pretax Income	333.4	338.63	290	254.41	228.58	182.77
Income Tax Expense	115.3	124.38	95.65	75.36	67.6	78.02
Earnings From Continuing Operations	218.1	214.25	194.35	179.05	160.98	104.75
Minority Interest in Earnings	-14.82	-14.82	-12.03	-10.49	-8.86	-10.34
Net Income	203.28	199.44	182.32	168.56	152.12	94.41
Net Income to Common	203.28	199.44	182.32	168.56	152.12	94.41
Net Income Growth	8.65%	9.39%	8.16%	10.81%	61.13%	-32.43%
Basic Shares Outstanding	-	270	270	255	270	270
Diluted Shares Outstanding	-	270	270	255	270	270
Shares Change (YoY)	-	-	5.88%	-5.56%	-	0.01%
EPS (Basic)	-	0.74	0.68	0.66	0.56	0.35
EPS (Diluted)	-	0.74	0.68	0.66	0.56	0.35
EPS Growth	-	9.43%	2.12%	17.34%	61.09%	-32.43%
Dividend Per Share	-	-	0.290	0.280	-	0.292
Dividend Growth	-	-	3.57%	-	-	-
Effective Tax Rate	34.58%	36.73%	32.98%	29.62%	29.57%	42.69%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.