BVMT:TJARI Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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 Income on Loans	863.87	797.13	651.73	577.87	607.9
Interest Paid on Deposits	458.79	433.49	334.95	305.46	342.66
Net Interest Income	405.08	363.65	316.78	272.41	265.24
Net Interest Income Growth (YoY)	11.39%	14.79%	16.29%	2.70%	-3.70%
Income From Trading Activities	71.7	71.35	-	117.89	-
Gain (Loss) on Sale of Investments	7.84	0.87	-0.9	0.11	1.83
Other Non-Interest Income	262.98	257.14	347.65	210.76	278.65
Total Non-Interest Income	342.51	329.35	346.75	328.75	280.48
Non-Interest Income Growth (YoY)	4.00%	-5.02%	5.47%	17.21%	6.67%
Revenues Before Loan Losses	747.59	693	663.53	601.16	545.72
Provision for Loan Losses	44.85	7.94	35.83	25.82	30.78
Revenue	702.75	685.06	627.7	575.34	514.94
Revenue Growth (YoY)	2.58%	9.14%	9.10%	11.73%	0.45%
Salaries and Employee Benefits	259.12	228.98	210.26	203.73	167.37
Occupancy Expenses	19.78	19.5	17.51	19.63	12.53
Selling, General & Administrative	6.52	4.62	4.76	4.26	3.63
Other Non-Interest Expense	56.09	95.01	98.11	91.02	73.07
Total Non-Interest Expense	334.91	342.52	330.68	318.63	256.63
EBT Excluding Unusual Items	367.84	342.54	297.02	256.71	258.31
Asset Writedown	-	-	-	-	-1.37
Other Unusual Items	-	-	-8.18	-15.6	-25.48
Pretax Income	367.84	342.54	288.84	241.11	231.46
Income Tax Expense	123.36	112.65	83.5	66.94	85.88
Earnings From Continuing Operations	244.47	229.89	205.34	174.17	145.58
Minority Interest in Earnings	-4.76	-3.99	-9.04	-7.84	-5.53
Net Income	239.72	225.9	196.29	166.33	140.05
Net Income to Common	239.72	225.9	196.29	166.33	140.05
Net Income Growth	6.12%	15.08%	18.01%	18.77%	-20.82%
Basic Shares Outstanding	50	50	49	49	49
Diluted Shares Outstanding	50	50	49	49	49
Shares Change (YoY)	-	3.09%	-	-	-
EPS (Basic)	4.79	4.52	4.05	3.43	2.89
EPS (Diluted)	4.79	4.52	4.03	3.43	2.86
EPS Growth	6.12%	12.05%	17.57%	20.08%	-20.93%
Dividend Per Share	4.200	3.780	3.360	-	2.268
Dividend Growth	11.11%	12.50%	-	-	-
Effective Tax Rate	33.54%	32.89%	28.91%	27.76%	37.10%

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