BVMT:CIL 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 and Dividend Income	95.36	92.83	85.79	80.53	70.79
Total Interest Expense	45.68	46.56	37.17	37.68	35.28
Net Interest Income	49.68	46.27	48.62	42.84	35.51
Revenue Before Loan Losses	49.68	46.27	48.62	42.84	35.51
Provision for Loan Losses	3.67	2.84	4.62	6.65	5.06
Revenue	46.01	43.43	44	36.2	30.45
Revenue Growth (YoY)	5.95%	-1.30%	21.55%	18.89%	14.43%
Salaries & Employee Benefits	10.48	9.14	8.76	7.64	6.86
Cost of Services Provided	0.79	0.95	0.94	0.86	0.84
Other Operating Expenses	4.32	4.98	9.06	3.66	0.71
Total Operating Expenses	16.28	15.62	19.25	12.71	8.97
Operating Income	29.73	27.81	24.75	23.48	21.48
EBT Excluding Unusual Items	30.21	27.85	24.91	23.72	21.52
Gain (Loss) on Sale of Investments	-	-	0.22	-0.66	-1.8
Other Unusual Items	-0	0	0.06	0	0
Pretax Income	31.18	28.1	24.94	23.04	19.75
Income Tax Expense	9.47	7.92	5.34	5.81	4.2
Earnings From Continuing Ops.	21.71	20.18	19.6	17.23	15.55
Minority Interest in Earnings	-0	-0	-0	-0	-0
Net Income	21.71	20.18	19.6	17.23	15.55
Net Income to Common	21.71	20.18	19.6	17.23	15.55
Net Income Growth	7.58%	2.95%	13.78%	10.77%	24.96%
Shares Outstanding (Basic)	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7
Shares Change (YoY)	0.61%	0.37%	-0.81%	1.37%	-0.00%
EPS (Basic)	3.20	2.99	2.92	2.54	2.33
EPS (Diluted)	3.20	2.99	2.92	2.54	2.33
EPS Growth	6.92%	2.56%	14.71%	9.27%	24.97%
Free Cash Flow	21.5	-7.86	-35.55	8.92	22.8
Free Cash Flow Per Share	3.17	-1.17	-5.29	1.32	3.41
Dividend Per Share	-	2.200	2.000	1.571	1.357
Dividend Growth	-	10.00%	27.27%	15.79%	-3.80%
Operating Margin	64.62%	64.04%	56.25%	64.88%	70.56%
Profit Margin	47.19%	46.48%	44.56%	47.60%	51.09%
Free Cash Flow Margin	46.74%	-18.09%	-80.80%	24.65%	74.88%
Effective Tax Rate	30.38%	28.18%	21.41%	25.22%	21.25%

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