BVMT:UIB Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	678.23	681.04	642.17	540.85	489.19	499.04
Interest Income on Investments	36.35	33.62	29.36	26.96	23.27	16.34
Total Interest Income	714.58	714.66	671.53	567.81	512.47	515.39
Interest Paid on Deposits	380.23	370.31	338.67	263.82	236.69	254.4
Net Interest Income	334.35	344.35	332.87	303.99	275.78	260.99
Net Interest Income Growth (YoY)	-2.66%	3.45%	9.50%	10.23%	5.67%	0.97%
Income From Trading Activities	44.45	44.01	37.36	37.24	26.49	24.66
Gain (Loss) on Sale of Investments	-0.09	-1.22	-1.28	-0.09	0.1	-0.52
Other Non-Interest Income	153.11	151.47	152.76	152.02	142.15	117.37
Total Non-Interest Income	197.47	194.26	188.83	189.17	168.74	141.51
Non-Interest Income Growth (YoY)	4.99%	2.87%	-0.18%	12.11%	19.24%	-12.16%
Revenues Before Loan Losses	531.82	538.6	521.7	493.15	444.51	402.5
Provision for Loan Losses	62.79	68	47.74	35.52	43.87	67.86
Revenue	469.03	470.6	473.96	457.64	400.64	334.64
Revenue Growth (YoY)	-2.32%	-0.71%	3.57%	14.23%	19.72%	-11.11%
Salaries and Employee Benefits	211.07	202.68	189.71	175.34	177.94	144.9
Occupancy Expenses	16.9	16.37	11.41	12.65	12.58	12.45
Selling, General & Administrative	8.36	8.66	8.13	8.01	7.56	6.44
Other Non-Interest Expense	55.46	52.91	50.46	45.49	42.45	40.02
Total Non-Interest Expense	291.78	280.61	259.7	241.55	241.89	204
EBT Excluding Unusual Items	177.25	189.99	214.26	216.09	158.76	130.64
Legal Settlements	-0.56	-0.5	-0.6	-0.44	-0.4	-0.41
Other Unusual Items	-7.22	-35.26	-14.45	-6.39	-9.95	-17.34
Pretax Income	169.47	154.22	199.21	209.25	148.4	112.89
Income Tax Expense	81.63	82.16	74.14	76.39	65.51	47.69
Earnings From Continuing Operations	87.84	72.07	125.08	132.87	82.9	65.2
Minority Interest in Earnings	-0.2	-0.2	-0.09	-0.33	-0.12	-0.03
Net Income	87.64	71.86	124.98	132.54	82.78	65.17
Net Income to Common	87.64	71.86	124.98	132.54	82.78	65.17
Net Income Growth	-12.77%	-42.50%	-5.70%	60.11%	27.02%	-43.97%
Basic Shares Outstanding	35	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35	35
EPS (Basic)	2.54	2.08	3.62	3.84	2.40	1.89
EPS (Diluted)	2.54	2.08	3.62	3.84	2.40	1.89
EPS Growth	-12.77%	-42.50%	-5.70%	60.11%	27.02%	-43.97%
Dividend Per Share	-	-	0.850	1.250	0.700	-
Dividend Growth	-	-	-32.00%	78.57%	-	-
Effective Tax Rate	48.17%	53.27%	37.21%	36.50%	44.14%	42.24%

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