BVMT:STB 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	792.1	891.91	961.24	1,059	959.2	827.97
Interest Paid on Deposits	686.14	714.81	724.1	733.49	579.62	464.57
Net Interest Income	105.96	177.1	237.14	325.21	379.58	363.41
Net Interest Income Growth	-50.18%	-25.32%	-27.08%	-14.32%	4.45%	0.42%
Gain (Loss) on Sale of Assets	0.13	0.13	0.66	0.77	0.19	1.01
Gain (Loss) on Sale of Investments	79.57	89.9	85.27	89.32	120.51	86.77
Other Non-Interest Income	524.64	480.05	369.04	294.26	229.17	197.57
Total Non-Interest Income	604.34	570.08	454.97	384.35	349.88	285.34
Non-Interest Income Growth	16.11%	25.30%	18.38%	9.85%	22.62%	8.28%
Revenues Before Loan Losses	710.3	747.19	692.11	709.56	729.45	648.75
Provision for Loan Losses	227.54	251.49	185.73	222.97	204.43	123.63
Revenue	482.76	495.69	506.38	486.59	525.02	525.12
Revenue Growth	-4.71%	-2.11%	4.07%	-7.32%	-0.02%	20.77%
Salaries and Employee Benefits	276.67	259.5	256.08	246.36	222.79	204.66
Occupancy Expenses	17.66	17.5	19	16.28	15.14	15.71
Selling, General & Administrative	14.49	14.49	12.93	13.15	11.18	10.78
Other Non-Interest Expense	45.03	53.86	44.91	64.43	49.77	48.09
Total Non-Interest Expense	364.57	356.06	341.22	347.44	298.46	277.25
EBT Excluding Unusual Items	118.19	139.64	165.16	139.15	226.56	247.87
Pretax Income	118.19	139.64	165.16	139.15	226.56	247.87
Income Tax Expense	42.04	49.87	44.12	46.94	95.6	96.54
Earnings From Continuing Operations	76.15	89.76	121.04	92.21	130.96	151.33
Minority Interest in Earnings	-27.11	-27.11	-24.3	-22.06	-23.3	-3.86
Net Income	45.49	58.74	91.1	59.69	99.73	125.74
Preferred Dividends & Other Adjustments	-	-	-	-	-1.1	-2.79
Net Income to Common	45.49	58.74	91.1	59.69	100.84	128.53
Net Income Growth	-61.39%	-35.52%	52.62%	-40.80%	-21.54%	87.87%
Basic Shares Outstanding	-	153	154	154	154	154
Diluted Shares Outstanding	-	153	154	154	154	154
Shares Change	-	-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%

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	0.200	0.200	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	35.57%	35.72%	26.71%	33.73%	42.20%	38.95%