BVMT:UIB 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	673.91	681.04	642.17	540.85	489.19
Interest Income on Investments	40.7	33.62	29.36	26.96	23.27
Total Interest Income	714.61	714.66	671.53	567.81	512.47
Interest Paid on Deposits	380.85	370.31	338.67	263.82	236.69
Net Interest Income	333.76	344.35	332.87	303.99	275.78
Net Interest Income Growth (YoY)	-3.07%	3.45%	9.50%	10.23%	5.67%
Income From Trading Activities	42.9	44.01	37.36	37.24	26.49
Gain (Loss) on Sale of Investments	-0.24	-1.22	-1.28	-0.09	0.1
Other Non-Interest Income	152.46	151.47	152.76	152.02	142.15
Total Non-Interest Income	195.12	194.26	188.83	189.17	168.74
Non-Interest Income Growth (YoY)	0.45%	2.87%	-0.18%	12.11%	19.24%
Revenues Before Loan Losses	528.89	538.6	521.7	493.15	444.51
Provision for Loan Losses	48.22	68	47.74	35.52	43.87
Revenue	480.66	470.6	473.96	457.64	400.64
Revenue Growth (YoY)	2.14%	-0.71%	3.57%	14.23%	19.72%
Salaries and Employee Benefits	210.41	202.68	189.71	175.34	177.94
Occupancy Expenses	15.29	16.37	11.41	12.65	12.58
Selling, General & Administrative	-	8.66	8.13	8.01	7.56
Other Non-Interest Expense	64.02	52.91	50.46	45.49	42.45
Total Non-Interest Expense	289.72	280.61	259.7	241.55	241.89
EBT Excluding Unusual Items	190.95	189.99	214.26	216.09	158.76
Legal Settlements	-	-0.5	-0.6	-0.44	-0.4
Other Unusual Items	-14.81	-35.26	-14.45	-6.39	-9.95
Pretax Income	176.13	154.22	199.21	209.25	148.4
Income Tax Expense	81.74	82.16	74.14	76.39	65.51
Earnings From Continuing Operations	94.39	72.07	125.08	132.87	82.9
Minority Interest in Earnings	-0.19	-0.2	-0.09	-0.33	-0.12
Net Income	94.2	71.86	124.98	132.54	82.78
Net Income to Common	94.2	71.86	124.98	132.54	82.78
Net Income Growth	31.08%	-42.50%	-5.70%	60.11%	27.02%
Basic Shares Outstanding	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35
Shares Change (YoY)	-0.01%	-	-	-	-
EPS (Basic)	2.73	2.08	3.62	3.84	2.40
EPS (Diluted)	2.73	2.08	3.62	3.84	2.40
EPS Growth	31.10%	-42.50%	-5.70%	60.11%	27.02%
Dividend Per Share	-	-	0.850	1.250	0.700
Dividend Growth	-	-	-32.00%	78.57%	-
Effective Tax Rate	46.41%	53.27%	37.21%	36.50%	44.14%