BVMT:CIL 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 and Dividend Income	93.32	92.83	85.79	80.53	70.79	68.99
Total Interest Expense	39.21	38.33	37.17	37.68	35.28	38.57
Net Interest Income	54.11	54.5	48.62	42.84	35.51	30.42
Revenue Before Loan Losses	54.11	54.5	48.62	42.84	35.51	30.42
Provision for Loan Losses	3.79	2.84	4.62	6.65	5.06	3.81
Revenue	50.32	51.66	44	36.2	30.45	26.61
Revenue Growth (YoY)	39.01%	17.40%	21.55%	18.89%	14.43%	4.22%
Salaries & Employee Benefits	9.57	9.14	8.76	7.64	6.86	6.23
Cost of Services Provided	0.96	0.95	0.94	0.86	0.84	0.89
Other Operating Expenses	12.26	13.18	9.06	3.66	0.71	3.63
Total Operating Expenses	23.41	23.82	19.25	12.71	8.97	11.36
Operating Income	26.91	27.84	24.75	23.48	21.48	15.25
EBT Excluding Unusual Items	26.93	27.88	24.91	23.72	21.52	15.89
Gain (Loss) on Sale of Investments	-	-	0.22	-0.66	-1.8	-
Other Unusual Items	0	0	0.06	0	0	0
Pretax Income	27.12	28.1	24.94	23.04	19.75	15.91
Income Tax Expense	7.91	7.92	5.34	5.81	4.2	3.47
Earnings From Continuing Ops.	19.21	20.18	19.6	17.23	15.55	12.45
Minority Interest in Earnings	-0	-0	-0	-0	-0	-0
Net Income	19.21	20.18	19.6	17.23	15.55	12.45
Net Income to Common	19.21	20.18	19.6	17.23	15.55	12.45
Net Income Growth	11.47%	2.95%	13.78%	10.77%	24.96%	-6.41%
Shares Outstanding (Basic)	7	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7	7
Shares Change (YoY)	-0.09%	0.37%	-0.81%	1.37%	-0.00%	-0.10%
EPS (Basic)	2.84	2.99	2.92	2.54	2.33	1.86
EPS (Diluted)	2.84	2.99	2.92	2.54	2.33	1.86
EPS Growth	11.57%	2.56%	14.71%	9.27%	24.97%	-6.32%
Free Cash Flow	-4.79	-7.86	-35.55	8.92	22.8	-19.33
Free Cash Flow Per Share	-0.71	-1.17	-5.29	1.32	3.41	-2.90
Dividend Per Share	2.200	2.200	2.000	1.571	1.357	1.411
Dividend Growth	40.00%	10.00%	27.27%	15.79%	-3.80%	-
Operating Margin	53.47%	53.89%	56.25%	64.88%	70.56%	57.32%
Profit Margin	38.17%	39.07%	44.56%	47.60%	51.09%	46.78%
Free Cash Flow Margin	-9.51%	-15.21%	-80.80%	24.65%	74.88%	-72.65%
Effective Tax Rate	29.17%	28.18%	21.41%	25.22%	21.25%	21.78%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.