BVMT:BT 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	679.78	665.93	602.16	491.11	441.6
Interest Paid on Deposits	387.87	359.94	306.73	244.86	205.37
Net Interest Income	291.91	305.99	295.43	246.26	236.23
Net Interest Income Growth (YoY)	-4.60%	3.57%	19.97%	4.25%	1.60%
Income From Trading Activities	-	-	-	-	21.45
Gain (Loss) on Sale of Investments	4.97	-0.29	-2.82	0.66	-8.22
Other Non-Interest Income	255.62	212.34	198.21	182.56	128.31
Total Non-Interest Income	260.58	212.05	195.38	183.22	141.53
Non-Interest Income Growth (YoY)	22.89%	8.53%	6.64%	29.46%	-3.90%
Revenues Before Loan Losses	552.49	518.05	490.81	429.48	377.76
Provision for Loan Losses	51.69	33.17	59.43	40.65	14.47
Revenue	500.8	484.88	431.39	388.83	363.29
Revenue Growth (YoY)	3.28%	12.40%	10.95%	7.03%	19.13%
Salaries and Employee Benefits	118.09	110.6	102.05	99.28	92.61
Occupancy Expenses	13.73	12.3	10.65	10.92	11
Amortization of Goodwill & Intangibles	0.38	0.53	0.57	0.57	0.66
Selling, General & Administrative	5.56	5.96	5.72	4.67	4.28
Other Non-Interest Expense	24.93	41.31	33.44	24.66	29.99
Total Non-Interest Expense	147.26	157.31	141.39	134.41	134.61
EBT Excluding Unusual Items	353.54	327.57	290	254.42	228.68
Other Unusual Items	-	11.07	-	-0	-0.1
Pretax Income	353.54	338.63	290	254.41	228.58
Income Tax Expense	132.98	124.38	95.65	75.36	67.6
Earnings From Continuing Operations	220.56	214.25	194.35	179.05	160.98
Minority Interest in Earnings	-17.74	-14.82	-12.03	-10.49	-8.86
Net Income	202.82	199.44	182.32	168.56	152.12
Net Income to Common	202.82	199.44	182.32	168.56	152.12
Net Income Growth	1.70%	9.39%	8.16%	10.81%	61.13%
Basic Shares Outstanding	270	270	270	255	270
Diluted Shares Outstanding	270	270	270	255	270
Shares Change (YoY)	-	-	5.88%	-5.56%	-
EPS (Basic)	0.75	0.74	0.68	0.66	0.56
EPS (Diluted)	0.75	0.74	0.68	0.66	0.56
EPS Growth	1.67%	9.43%	2.12%	17.34%	61.09%
Dividend Per Share	0.350	0.350	0.290	0.280	-
Dividend Growth	-	20.69%	3.57%	-	-
Effective Tax Rate	37.61%	36.73%	32.98%	29.62%	29.57%