BVMT:UIB 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	658.95	673.91	681.04	642.17	540.85	489.19
Interest Income on Investments	42.47	40.7	33.62	29.36	26.96	23.27
Total Interest Income	701.42	714.61	714.66	671.53	567.81	512.47
Interest Paid on Deposits	361.35	380.85	370.31	338.67	263.82	236.69
Net Interest Income	340.07	333.76	344.35	332.87	303.99	275.78
Net Interest Income Growth	1.71%	-3.07%	3.45%	9.50%	10.23%	5.67%
Income From Trading Activities	51.73	42.9	44.01	37.36	37.24	26.49
Gain (Loss) on Sale of Investments	0.02	-0.24	-1.22	-1.28	-0.09	0.1
Other Non-Interest Income	152.7	152.46	151.47	152.76	152.02	142.15
Total Non-Interest Income	204.44	195.12	194.26	188.83	189.17	168.74
Non-Interest Income Growth	3.88%	0.45%	2.87%	-0.18%	12.11%	19.24%
Revenues Before Loan Losses	544.51	528.89	538.6	521.7	493.15	444.51
Provision for Loan Losses	46.39	48.22	68	47.74	35.52	43.87
Revenue	498.12	480.66	470.6	473.96	457.64	400.64
Revenue Growth	6.35%	2.14%	-0.71%	3.57%	14.23%	19.72%
Salaries and Employee Benefits	212.13	210.41	202.68	189.71	175.34	177.94
Occupancy Expenses	16.22	15.29	16.37	11.41	12.65	12.58
Selling, General & Administrative	8.6	8.6	8.66	8.13	8.01	7.56
Other Non-Interest Expense	54.68	54.76	52.91	50.46	45.49	42.45
Total Non-Interest Expense	291.64	289.06	280.61	259.7	241.55	241.89
EBT Excluding Unusual Items	206.49	191.6	189.99	214.26	216.09	158.76
Legal Settlements	-0.66	-0.66	-0.5	-0.6	-0.44	-0.4
Other Unusual Items	-19.92	-14.81	-35.26	-14.45	-6.39	-9.95
Pretax Income	185.91	176.13	154.22	199.21	209.25	148.4
Income Tax Expense	88.28	81.74	82.16	74.14	76.39	65.51
Earnings From Continuing Operations	97.63	94.39	72.07	125.08	132.87	82.9
Minority Interest in Earnings	-0.19	-0.19	-0.2	-0.09	-0.33	-0.12
Net Income	97.44	94.2	71.86	124.98	132.54	82.78
Net Income to Common	97.44	94.2	71.86	124.98	132.54	82.78
Net Income Growth	11.18%	31.08%	-42.50%	-5.70%	60.11%	27.02%
Basic Shares Outstanding	35	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35	35
Shares Change	-0.02%	-	-	-	-	-
EPS (Basic)	2.82	2.73	2.08	3.62	3.84	2.40
EPS (Diluted)	2.82	2.73	2.08	3.62	3.84	2.40
EPS Growth	11.20%	31.08%	-42.50%	-5.70%	60.11%	27.02%

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	1.000	1.000	-	0.850	1.250	0.700
Dividend Growth	-	-	-	-32.00%	78.57%	-
Effective Tax Rate	47.49%	46.41%	53.27%	37.21%	36.50%	44.14%