BVMT:BT 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	690.4	679.78	665.93	602.16	491.11	441.6
Interest Paid on Deposits	372.48	387.87	359.94	306.73	244.86	205.37
Net Interest Income	317.92	291.91	305.99	295.43	246.26	236.23
Net Interest Income Growth	7.74%	-4.60%	3.57%	19.97%	4.25%	1.60%
Income From Trading Activities	-2.09	-	-	-	-	21.45
Gain (Loss) on Sale of Investments	3.55	4.97	-0.29	-2.82	0.66	-8.22
Other Non-Interest Income	262.62	255.62	212.34	198.21	182.56	128.31
Total Non-Interest Income	264.09	260.58	212.05	195.38	183.22	141.53
Non-Interest Income Growth	17.44%	22.89%	8.53%	6.64%	29.46%	-3.90%
Revenues Before Loan Losses	582	552.49	518.05	490.81	429.48	377.76
Provision for Loan Losses	47.17	51.69	33.17	59.43	40.65	14.47
Revenue	534.84	500.8	484.88	431.39	388.83	363.29
Revenue Growth	10.85%	3.28%	12.40%	10.95%	7.03%	19.13%
Salaries and Employee Benefits	123.09	118.09	110.6	102.05	99.28	92.61
Occupancy Expenses	18.34	13.73	12.3	10.65	10.92	11
Amortization of Goodwill & Intangibles	0.38	0.38	0.53	0.57	0.57	0.66
Selling, General & Administrative	5.56	5.56	5.96	5.72	4.67	4.28
Other Non-Interest Expense	23.25	24.93	41.31	33.44	24.66	29.99
Total Non-Interest Expense	155.19	147.26	157.31	141.39	134.41	134.61
EBT Excluding Unusual Items	379.65	353.54	327.57	290	254.42	228.68
Other Unusual Items	-	-	11.07	-	-0	-0.1
Pretax Income	379.65	353.54	338.63	290	254.41	228.58
Income Tax Expense	148.49	132.98	124.38	95.65	75.36	67.6
Earnings From Continuing Operations	231.16	220.56	214.25	194.35	179.05	160.98
Minority Interest in Earnings	-17.74	-17.74	-14.82	-12.03	-10.49	-8.86
Net Income	213.42	202.82	199.44	182.32	168.56	152.12
Net Income to Common	213.42	202.82	199.44	182.32	168.56	152.12
Net Income Growth	4.99%	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	-	-	-	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%

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	0.350	0.350	0.350	0.290	0.280	-
Dividend Growth	0%	0%	20.69%	3.57%	-4.01%	-
Effective Tax Rate	39.11%	37.61%	36.73%	32.98%	29.62%	29.57%