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
Revenue	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%