Banque de Tunisie Société anonyme (BVMT:BT)

BVMT:BT Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	602.16	491.11	441.6	453.47	473.74
Interest Paid on Deposits	306.73	244.86	205.37	220.96	242.21
Net Interest Income	295.43	246.26	236.23	232.51	231.53
Net Interest Income Growth (YoY)	19.97%	4.25%	1.60%	0.42%	20.95%
Income From Trading Activities	-	-	21.45	-	32
Gain (Loss) on Sale of Investments	-2.82	0.66	-8.22	-0.63	-7.2
Other Non-Interest Income	198.21	182.56	128.31	147.92	104.3
Total Non-Interest Income	195.38	183.22	141.53	147.28	129.1
Non-Interest Income Growth (YoY)	6.64%	29.46%	-3.90%	14.08%	-9.80%
Revenues Before Loan Losses	490.81	429.48	377.76	379.79	360.63
Provision for Loan Losses	59.43	40.65	14.47	74.84	38.17
Revenue	431.39	388.83	363.29	304.95	322.46
Revenue Growth (YoY)	10.95%	7.03%	19.13%	-5.43%	18.24%
Salaries and Employee Benefits	102.05	99.28	92.61	73.52	74.9
Occupancy Expenses	10.65	10.92	11	10.53	10.35
Amortization of Goodwill & Intangibles	0.57	0.57	0.66	0.72	0.73
Selling, General & Administrative	5.72	4.67	4.28	3.98	3.75
Other Non-Interest Expense	24.13	24.66	29.99	33.1	17.72
Total Non-Interest Expense	132.08	134.41	134.61	115.53	100.79
EBT Excluding Unusual Items	299.31	254.42	228.68	189.42	221.67
Other Unusual Items	-9.31	-0	-0.1	-6.65	-0.04
Pretax Income	290	254.41	228.58	182.77	221.63
Income Tax Expense	95.65	75.36	67.6	78.02	74.2
Earnings From Continuing Operations	194.35	179.05	160.98	104.75	147.43
Minority Interest in Earnings	-12.03	-10.49	-8.86	-10.34	-7.71
Net Income	182.32	168.56	152.12	94.41	139.72
Net Income to Common	182.32	168.56	152.12	94.41	139.72
Net Income Growth	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	32.98%	29.62%	29.57%	42.69%	33.48%

Updated Jul 31, 1998. Source: S&P Global Market Intelligence. Banks template. Financial Sources.