Union Bancaire pour le Commerce et L'Industrie Société anonyme (BVMT:UBCI)

BVMT:UBCI 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	385.34	368.94	331.58	271.59	239.02	237.96
Interest Paid on Deposits	196.77	188.97	153.84	106.04	87.19	93.49
Net Interest Income	188.57	179.97	177.75	165.54	151.83	144.47
Net Interest Income Growth (YoY)	7.83%	1.25%	7.37%	9.03%	5.09%	-0.80%
Income From Trading Activities	45.02	25.71	26.77	33.96	29.84	25.08
Gain (Loss) on Sale of Investments	49.51	49.61	38.98	38.43	29.94	26
Other Non-Interest Income	63.66	69.19	63.55	64.8	56	50.39
Total Non-Interest Income	158.19	144.51	129.29	137.19	115.79	101.47
Non-Interest Income Growth (YoY)	18.32%	11.77%	-5.76%	18.48%	14.11%	-9.62%
Revenues Before Loan Losses	346.76	324.48	307.04	302.73	267.62	245.94
Provision for Loan Losses	17.94	17.32	20.07	12.88	8.49	14.4
Revenue	328.82	307.16	286.97	289.85	259.13	231.55
Revenue Growth (YoY)	11.27%	7.04%	-1.00%	11.86%	11.91%	-10.13%
Salaries and Employee Benefits	139.58	135.89	128.65	120.16	134.59	98.77
Occupancy Expenses	15.4	10.24	9.94	9.44	7.67	8.56
Other Non-Interest Expense	65.46	67.98	64.48	68.44	57.27	41.7
Total Non-Interest Expense	220.44	214.11	203.07	198.04	199.53	149.02
EBT Excluding Unusual Items	108.38	93.05	83.9	91.81	59.6	82.53
Other Unusual Items	-	-	-	-	-4.74	-11.16
Pretax Income	108.38	93.05	83.9	91.81	54.87	71.37
Income Tax Expense	48.4	37.33	30.18	31.64	24.09	28.59
Earnings From Continuing Operations	59.98	55.72	53.72	60.17	30.78	42.78
Minority Interest in Earnings	-0.74	-0.74	-0.37	-0.45	-0.27	-0.32
Net Income	59.24	54.99	53.36	59.73	30.51	42.46
Net Income to Common	59.24	54.99	53.36	59.73	30.51	42.46
Net Income Growth	15.57%	3.05%	-10.66%	95.75%	-28.14%	-26.03%
Basic Shares Outstanding	-	20	20	20	20	20
Diluted Shares Outstanding	-	20	20	20	20	20
EPS (Basic)	-	2.75	2.67	2.99	1.53	2.12
EPS (Diluted)	-	2.75	2.67	2.99	1.53	2.12
EPS Growth	-	3.05%	-10.66%	95.75%	-28.14%	-26.03%
Dividend Per Share	1.250	1.250	1.250	1.250	0.750	1.000
Dividend Growth	-	-	-	66.67%	-25.00%	-
Effective Tax Rate	44.66%	40.12%	35.97%	34.46%	43.91%	40.06%

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