BVMT:STB 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	891.91	961.24	1,059	959.2	827.97
Interest Paid on Deposits	714.81	724.1	733.49	579.62	464.57
Net Interest Income	177.1	237.14	325.21	379.58	363.41
Net Interest Income Growth (YoY)	-25.32%	-27.08%	-14.32%	4.45%	0.42%
Gain (Loss) on Sale of Assets	0.13	0.66	0.77	0.19	1.01
Gain (Loss) on Sale of Investments	89.9	85.27	89.32	120.51	86.77
Other Non-Interest Income	480.05	369.04	294.26	229.17	197.57
Total Non-Interest Income	570.08	454.97	384.35	349.88	285.34
Non-Interest Income Growth (YoY)	25.30%	18.38%	9.85%	22.62%	8.28%
Revenues Before Loan Losses	747.19	692.11	709.56	729.45	648.75
Provision for Loan Losses	251.49	185.73	222.97	204.43	123.63
Revenue	495.69	506.38	486.59	525.02	525.12
Revenue Growth (YoY)	-2.11%	4.07%	-7.32%	-0.02%	20.77%
Salaries and Employee Benefits	259.5	256.08	246.36	222.79	204.66
Occupancy Expenses	17.5	19	16.28	15.14	15.71
Selling, General & Administrative	14.49	12.93	13.15	11.18	10.78
Other Non-Interest Expense	53.86	44.91	64.43	49.77	48.09
Total Non-Interest Expense	356.06	341.22	347.44	298.46	277.25
EBT Excluding Unusual Items	139.64	165.16	139.15	226.56	247.87
Pretax Income	139.64	165.16	139.15	226.56	247.87
Income Tax Expense	49.87	44.12	46.94	95.6	96.54
Earnings From Continuing Operations	89.76	121.04	92.21	130.96	151.33
Minority Interest in Earnings	-27.11	-24.3	-22.06	-23.3	-3.86
Net Income	58.74	91.1	59.69	99.73	125.74
Preferred Dividends & Other Adjustments	-	-	-	-1.1	-2.79
Net Income to Common	58.74	91.1	59.69	100.84	128.53
Net Income Growth	-35.52%	52.62%	-40.15%	-20.68%	83.79%
Basic Shares Outstanding	153	154	154	154	154
Diluted Shares Outstanding	153	154	154	154	154
Shares Change (YoY)	-0.78%	-	-0.04%	0.01%	-0.01%
EPS (Basic)	0.38	0.59	0.39	0.65	0.83
EPS (Diluted)	0.38	0.59	0.39	0.65	0.83
EPS Growth	-35.02%	52.62%	-40.78%	-21.55%	87.88%
Effective Tax Rate	35.72%	26.71%	33.73%	42.20%	38.95%