BVMT:UBCI Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	395.5	391.45	368.94	331.58	271.59	239.02
Interest Paid on Deposits	212.61	207.26	188.97	153.84	106.04	87.19
Net Interest Income	182.89	184.2	179.97	177.75	165.54	151.83
Net Interest Income Growth	-3.01%	2.35%	1.25%	7.37%	9.03%	5.09%
Income From Trading Activities	77.42	62.51	25.71	26.77	33.96	29.84
Gain (Loss) on Sale of Investments	-9.38	3.52	49.61	38.98	38.43	29.94
Other Non-Interest Income	120.96	104.32	69.19	63.55	64.8	56
Total Non-Interest Income	188.91	170.35	144.51	129.29	137.19	115.79
Non-Interest Income Growth	19.32%	17.88%	11.77%	-5.76%	18.48%	14.11%
Revenues Before Loan Losses	371.8	354.55	324.48	307.04	302.73	267.62
Provision for Loan Losses	25.85	20.61	17.32	20.07	12.88	8.49
Revenue	345.96	333.93	307.16	286.97	289.85	259.13
Revenue Growth	5.17%	8.72%	7.04%	-1.00%	11.86%	11.91%
Salaries and Employee Benefits	157.75	148.29	135.89	128.65	120.16	134.59
Occupancy Expenses	23.81	23.08	10.24	9.94	9.44	7.67
Other Non-Interest Expense	68.6	70.35	67.98	64.48	68.44	57.27
Total Non-Interest Expense	250.15	241.72	214.11	203.07	198.04	199.53
EBT Excluding Unusual Items	95.8	92.22	93.05	83.9	91.81	59.6
Other Unusual Items	-0.94	-	-	-	-	-4.74
Pretax Income	94.87	92.22	93.05	83.9	91.81	54.87
Income Tax Expense	26.36	26.37	37.33	30.18	31.64	24.09
Earnings From Continuing Operations	68.51	65.85	55.72	53.72	60.17	30.78
Minority Interest in Earnings	-	-	-0.74	-0.37	-0.45	-0.27
Net Income	68.51	65.85	54.99	53.36	59.73	30.51
Net Income to Common	68.51	65.85	54.99	53.36	59.73	30.51
Net Income Growth	15.64%	19.76%	3.05%	-10.66%	95.75%	-28.14%
Basic Shares Outstanding	20	20	20	20	20	20
Diluted Shares Outstanding	20	20	20	20	20	20
Shares Change	-	-	-	-	-	-
EPS (Basic)	3.43	3.29	2.75	2.67	2.99	1.53
EPS (Diluted)	3.43	3.29	2.75	2.67	2.99	1.53
EPS Growth	15.64%	19.76%	3.05%	-10.66%	95.75%	-28.14%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	-	1.250	1.250	1.250	0.750
Dividend Growth	-	-	0%	0%	66.67%	-25.00%
Effective Tax Rate	27.78%	28.59%	40.12%	35.97%	34.46%	43.91%