Banque de Tunisie Société anonyme (BVMT: BT)

BVMT: BT Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	638.87	602.16	491.11	441.6	453.47	473.74
Interest Paid on Deposits	321.38	306.73	244.86	205.37	220.96	242.21
Net Interest Income	317.5	295.43	246.26	236.23	232.51	231.53
Net Interest Income Growth (YoY)	34.40%	19.97%	4.24%	1.60%	0.42%	20.95%
Income From Trading Activities	-	-	-	21.45	-	32
Gain (Loss) on Sale of Investments	-5.18	-2.82	0.66	-8.22	-0.63	-7.2
Other Non-Interest Income	208.16	198.21	182.56	128.31	147.92	104.3
Total Non-Interest Income	202.98	195.38	183.22	141.53	147.28	129.1
Non-Interest Income Growth (YoY)	43.42%	6.64%	29.46%	-3.90%	14.08%	-9.80%
Revenues Before Loan Losses	520.48	490.81	429.48	377.76	379.79	360.63
Provision for Loan Losses	60.83	59.43	40.65	14.47	74.84	38.17
Revenue	459.65	431.39	388.83	363.29	304.95	322.46
Revenue Growth (YoY)	26.52%	10.95%	7.03%	19.13%	-5.43%	18.24%
Salaries and Employee Benefits	107.26	102.05	99.28	92.61	73.52	74.9
Occupancy Expenses	12.05	10.65	10.92	11	10.53	10.35
Amortization of Goodwill & Intangibles	0.57	0.57	0.57	0.66	0.72	0.73
Selling, General & Administrative	5.72	5.72	4.67	4.28	3.98	3.75
Other Non-Interest Expense	26.39	24.13	24.66	29.99	33.1	17.72
Total Non-Interest Expense	140.94	132.08	134.41	134.61	115.53	100.79
EBT Excluding Unusual Items	318.71	299.31	254.42	228.68	189.42	221.67
Other Unusual Items	-14.82	-9.31	-0	-0.1	-6.65	-0.04
Pretax Income	303.89	290	254.41	228.58	182.77	221.63
Income Tax Expense	104.77	95.65	75.36	67.6	78.02	74.2
Earnings From Continuing Operations	199.12	194.35	179.05	160.98	104.75	147.43
Minority Interest in Earnings	-12.03	-12.03	-10.49	-8.86	-10.34	-7.71
Net Income	187.1	182.32	168.56	152.12	94.41	139.72
Net Income to Common	187.1	182.32	168.56	152.12	94.41	139.72
Net Income Growth	22.99%	8.16%	10.81%	61.13%	-32.43%	24.40%
Basic Shares Outstanding	-	270	255	270	270	270
Diluted Shares Outstanding	-	270	255	270	270	270
Shares Change (YoY)	-	5.88%	-5.56%	-	0.01%	15.99%
EPS (Basic)	-	0.68	0.66	0.56	0.35	0.52
EPS (Diluted)	-	0.68	0.66	0.56	0.35	0.52
EPS Growth	-	2.12%	17.34%	61.09%	-32.43%	7.25%
Dividend Per Share	-	-	0.280	-	0.292	-
Effective Tax Rate	34.47%	32.98%	29.62%	29.57%	42.69%	33.48%

Source: S&P Capital IQ. Banks template. Financial Sources.