Société Tunisienne de Banque Société anonyme (BVMT:STB)

BVMT:STB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	935.03	961.24	1,059	959.2	827.97	819.45
Interest Paid on Deposits	722.36	724.1	733.49	579.62	464.57	457.57
Net Interest Income	212.67	237.14	325.21	379.58	363.41	361.88
Net Interest Income Growth (YoY)	-43.97%	-27.08%	-14.32%	4.45%	0.42%	0.69%
Gain (Loss) on Sale of Assets	0.66	0.66	0.77	0.19	1.01	5.18
Gain (Loss) on Sale of Investments	90.94	85.27	89.32	120.51	86.77	70.87
Other Non-Interest Income	429.32	369.04	294.26	229.17	197.57	187.48
Total Non-Interest Income	520.92	454.97	384.35	349.88	285.34	263.53
Non-Interest Income Growth (YoY)	48.89%	18.38%	9.85%	22.62%	8.28%	16.97%
Revenues Before Loan Losses	733.58	692.11	709.56	729.45	648.75	625.41
Provision for Loan Losses	226.52	185.73	222.97	204.43	123.63	190.61
Revenue	507.06	506.38	486.59	525.02	525.12	434.8
Revenue Growth (YoY)	-3.42%	4.07%	-7.32%	-0.02%	20.77%	-10.97%
Salaries and Employee Benefits	257.94	256.08	246.36	222.79	204.66	178.09
Occupancy Expenses	19.96	19	16.28	15.14	15.71	16.32
Selling, General & Administrative	12.93	12.93	13.15	11.18	10.78	6
Other Non-Interest Expense	19.05	44.91	64.43	49.77	48.09	53.72
Total Non-Interest Expense	318.18	341.22	347.44	298.46	277.25	255.92
EBT Excluding Unusual Items	188.88	165.16	139.15	226.56	247.87	178.88
Pretax Income	188.88	165.16	139.15	226.56	247.87	178.88
Income Tax Expense	30.49	31.93	46.94	95.6	96.54	83.52
Earnings From Continuing Operations	158.39	133.23	92.21	130.96	151.33	95.36
Minority Interest in Earnings	-24.29	-24.29	-22.06	-23.3	-3.86	-1.11
Net Income	130.01	103.3	59.69	99.73	125.74	68.41
Preferred Dividends & Other Adjustments	-	-	-	-1.1	-2.79	-
Net Income to Common	130.01	103.3	59.69	100.84	128.53	68.41
Net Income Growth	30.36%	73.06%	-40.15%	-20.68%	83.79%	-61.71%
Basic Shares Outstanding	-	154	154	154	154	154
Diluted Shares Outstanding	-	154	154	154	154	154
Shares Change (YoY)	-	-	-0.04%	0.01%	-0.01%	-0.00%
EPS (Basic)	-	0.67	0.39	0.65	0.83	0.44
EPS (Diluted)	-	0.67	0.39	0.65	0.83	0.44
EPS Growth	-	73.06%	-40.78%	-21.55%	87.88%	-61.71%
Effective Tax Rate	16.14%	19.33%	33.73%	42.20%	38.95%	46.69%

Updated Feb 29, 2008. Source: S&P Global Market Intelligence. Banks template. Financial Sources.