Union Internationale de Banques Société anonyme (BVMT:UIB)

BVMT:UIB Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	681.04	642.17	540.85	489.19	499.04
Interest Income on Investments	33.62	29.36	26.96	23.27	16.34
Total Interest Income	714.66	671.53	567.81	512.47	515.39
Interest Paid on Deposits	370.31	338.67	263.82	236.69	254.4
Net Interest Income	344.35	332.87	303.99	275.78	260.99
Net Interest Income Growth (YoY)	3.45%	9.50%	10.23%	5.67%	0.97%
Income From Trading Activities	44.01	37.36	37.24	26.49	24.66
Gain (Loss) on Sale of Investments	-1.22	-1.28	-0.09	0.1	-0.52
Other Non-Interest Income	151.47	152.76	152.02	142.15	117.37
Total Non-Interest Income	194.26	188.83	189.17	168.74	141.51
Non-Interest Income Growth (YoY)	2.87%	-0.18%	12.11%	19.24%	-12.16%
Revenues Before Loan Losses	538.6	521.7	493.15	444.51	402.5
Provision for Loan Losses	68	47.74	35.52	43.87	67.86
Revenue	470.6	473.96	457.64	400.64	334.64
Revenue Growth (YoY)	-0.71%	3.57%	14.23%	19.72%	-11.11%
Salaries and Employee Benefits	202.68	189.71	175.34	177.94	144.9
Occupancy Expenses	16.37	11.41	12.65	12.58	12.45
Selling, General & Administrative	8.66	8.13	8.01	7.56	6.44
Other Non-Interest Expense	52.91	50.46	45.49	42.45	40.02
Total Non-Interest Expense	280.61	259.7	241.55	241.89	204
EBT Excluding Unusual Items	189.99	214.26	216.09	158.76	130.64
Legal Settlements	-0.5	-0.6	-0.44	-0.4	-0.41
Other Unusual Items	-35.26	-14.45	-6.39	-9.95	-17.34
Pretax Income	154.22	199.21	209.25	148.4	112.89
Income Tax Expense	82.16	74.14	76.39	65.51	47.69
Earnings From Continuing Operations	72.07	125.08	132.87	82.9	65.2
Minority Interest in Earnings	-0.2	-0.09	-0.33	-0.12	-0.03
Net Income	71.86	124.98	132.54	82.78	65.17
Net Income to Common	71.86	124.98	132.54	82.78	65.17
Net Income Growth	-42.50%	-5.70%	60.11%	27.02%	-43.97%
Basic Shares Outstanding	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35
EPS (Basic)	2.08	3.62	3.84	2.40	1.89
EPS (Diluted)	2.08	3.62	3.84	2.40	1.89
EPS Growth	-42.50%	-5.70%	60.11%	27.02%	-43.97%
Dividend Per Share	-	-	1.250	0.700	-
Dividend Growth	-	-	78.57%	-	-
Effective Tax Rate	53.27%	37.21%	36.50%	44.14%	42.24%

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