BVMT:TJARI 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	802.17	863.87	797.13	651.73	577.87
Interest Paid on Deposits	464.02	458.79	433.49	334.95	305.46
Net Interest Income	338.15	405.08	363.65	316.78	272.41
Net Interest Income Growth (YoY)	-16.52%	11.39%	14.79%	16.29%	2.70%
Income From Trading Activities	79.1	71.7	71.35	-	117.89
Gain (Loss) on Sale of Investments	5.85	7.84	0.87	-0.9	0.11
Other Non-Interest Income	318.25	262.98	257.14	347.65	210.76
Total Non-Interest Income	403.19	342.51	329.35	346.75	328.75
Non-Interest Income Growth (YoY)	17.72%	4.00%	-5.02%	5.47%	17.21%
Revenues Before Loan Losses	741.34	747.59	693	663.53	601.16
Provision for Loan Losses	26.63	44.85	7.94	35.83	25.82
Revenue	714.71	702.75	685.06	627.7	575.34
Revenue Growth (YoY)	1.70%	2.58%	9.14%	9.10%	11.73%
Salaries and Employee Benefits	277.56	259.12	228.98	210.26	203.73
Occupancy Expenses	20.72	19.78	19.5	17.51	19.63
Selling, General & Administrative	7.37	6.52	4.62	4.76	4.26
Other Non-Interest Expense	64.64	56.09	95.01	98.11	91.02
Total Non-Interest Expense	363.19	334.91	342.52	330.68	318.63
EBT Excluding Unusual Items	351.52	367.84	342.54	297.02	256.71
Other Unusual Items	-	-	-	-8.18	-15.6
Pretax Income	351.52	367.84	342.54	288.84	241.11
Income Tax Expense	112.27	123.36	112.65	83.5	66.94
Earnings From Continuing Operations	239.25	244.47	229.89	205.34	174.17
Minority Interest in Earnings	-3.91	-4.76	-3.99	-9.04	-7.84
Net Income	235.34	239.72	225.9	196.29	166.33
Net Income to Common	235.34	239.72	225.9	196.29	166.33
Net Income Growth	-1.83%	6.12%	15.08%	18.01%	18.77%
Basic Shares Outstanding	50	50	50	49	49
Diluted Shares Outstanding	50	50	50	49	49
Shares Change (YoY)	-	-	3.09%	-	-
EPS (Basic)	4.71	4.79	4.52	4.05	3.43
EPS (Diluted)	4.70	4.79	4.52	4.03	3.43
EPS Growth	-1.97%	6.12%	12.05%	17.57%	20.08%
Dividend Per Share	-	4.200	3.780	3.360	-
Dividend Growth	-	11.11%	12.50%	-	-
Effective Tax Rate	31.94%	33.54%	32.89%	28.91%	27.76%

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