Union Bancaire pour le Commerce et L'Industrie Société anonyme (BVMT:UBCI)
Tunisia · Delayed Price · Currency is TND 38.45
-0.35 (-0.90%)
At close: Jun 2, 2026
BVMT:UBCI 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 | 391.45 | 368.94 | 331.58 | 271.59 | 239.02 |
Interest Paid on Deposits | 207.26 | 188.97 | 153.84 | 106.04 | 87.19 |
Net Interest Income | 184.2 | 179.97 | 177.75 | 165.54 | 151.83 |
Net Interest Income Growth (YoY) | 2.35% | 1.25% | 7.37% | 9.03% | 5.09% |
Income From Trading Activities | 62.51 | 25.71 | 26.77 | 33.96 | 29.84 |
Gain (Loss) on Sale of Investments | 3.52 | 49.61 | 38.98 | 38.43 | 29.94 |
Other Non-Interest Income | 104.32 | 69.19 | 63.55 | 64.8 | 56 |
Total Non-Interest Income | 170.35 | 144.51 | 129.29 | 137.19 | 115.79 |
Non-Interest Income Growth (YoY) | 17.88% | 11.77% | -5.76% | 18.48% | 14.11% |
Revenues Before Loan Losses | 354.55 | 324.48 | 307.04 | 302.73 | 267.62 |
Provision for Loan Losses | 20.61 | 17.32 | 20.07 | 12.88 | 8.49 |
| 333.93 | 307.16 | 286.97 | 289.85 | 259.13 | |
Revenue Growth (YoY) | 8.72% | 7.04% | -1.00% | 11.86% | 11.91% |
Salaries and Employee Benefits | 148.29 | 135.89 | 128.65 | 120.16 | 134.59 |
Occupancy Expenses | 23.08 | 10.24 | 9.94 | 9.44 | 7.67 |
Other Non-Interest Expense | 70.35 | 67.98 | 64.48 | 68.44 | 57.27 |
Total Non-Interest Expense | 241.72 | 214.11 | 203.07 | 198.04 | 199.53 |
EBT Excluding Unusual Items | 92.22 | 93.05 | 83.9 | 91.81 | 59.6 |
Other Unusual Items | - | - | - | - | -4.74 |
Pretax Income | 92.22 | 93.05 | 83.9 | 91.81 | 54.87 |
Income Tax Expense | 26.37 | 37.33 | 30.18 | 31.64 | 24.09 |
Earnings From Continuing Operations | 65.85 | 55.72 | 53.72 | 60.17 | 30.78 |
Minority Interest in Earnings | - | -0.74 | -0.37 | -0.45 | -0.27 |
Net Income | 65.85 | 54.99 | 53.36 | 59.73 | 30.51 |
Net Income to Common | 65.85 | 54.99 | 53.36 | 59.73 | 30.51 |
Net Income Growth | 19.76% | 3.05% | -10.66% | 95.75% | -28.14% |
Basic Shares Outstanding | 20 | 20 | 20 | 20 | 20 |
Diluted Shares Outstanding | 20 | 20 | 20 | 20 | 20 |
EPS (Basic) | 3.29 | 2.75 | 2.67 | 2.99 | 1.53 |
EPS (Diluted) | 3.29 | 2.75 | 2.67 | 2.99 | 1.53 |
EPS Growth | 19.76% | 3.05% | -10.66% | 95.75% | -28.14% |
Dividend Per Share | - | 1.250 | 1.250 | 1.250 | 0.750 |
Dividend Growth | - | - | - | 66.67% | -25.00% |
Effective Tax Rate | 28.59% | 40.12% | 35.97% | 34.46% | 43.91% |