Wifack International Bank Société anonyme (BVMT:WIFAK)

BVMT:WIFAK Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	109.1	81.36	66.12	44.41	39.31
Interest Paid on Deposits	58.94	40.87	32.95	27.75	24.49
Net Interest Income	50.16	40.49	33.17	16.66	14.82
Net Interest Income Growth (YoY)	23.89%	22.07%	99.06%	12.46%	4.66%
Income From Trading Activities	2.2	3.31	1.92	2.42	1.59
Gain (Loss) on Sale of Assets	-	0.09	0.01	-	-
Gain (Loss) on Sale of Investments	-1.83	-0.36	-0.87	-0.17	-0.03
Other Non-Interest Income	32.35	24.99	14.84	10.49	6.24
Total Non-Interest Income	32.73	28.04	15.91	12.74	7.81
Non-Interest Income Growth (YoY)	16.74%	76.24%	24.82%	63.24%	-25.50%
Revenues Before Loan Losses	82.89	68.52	49.08	29.41	22.62
Provision for Loan Losses	13.55	13.55	6.51	6.35	12.07
Revenue	69.34	54.97	42.57	23.06	10.55
Revenue Growth (YoY)	26.14%	29.13%	84.64%	118.45%	-54.14%
Salaries and Employee Benefits	38.27	28.58	23.04	17.99	17.75
Occupancy Expenses	5.18	4.67	4.37	4.63	6.84
Selling, General & Administrative	-	5.14	4.4	3.2	3.09
Other Non-Interest Expense	16.36	10.11	5.2	4.71	4.55
Total Non-Interest Expense	59.81	48.5	37.01	30.53	32.23
EBT Excluding Unusual Items	9.53	6.47	5.56	-7.48	-21.68
Other Unusual Items	-0.07	0.31	-0.01	-0.02	-0.01
Pretax Income	9.46	6.77	5.54	-7.5	-21.69
Income Tax Expense	0.38	0.39	0.2	0.21	0.19
Earnings From Continuing Operations	9.07	6.38	5.35	-7.7	-21.88
Minority Interest in Earnings	-0.07	-0.04	-0	-0	-0
Net Income	9	6.34	5.35	-7.71	-21.88
Net Income to Common	9	6.34	5.35	-7.71	-21.88
Net Income Growth	41.93%	18.54%	-	-	-
Basic Shares Outstanding	-	30	30	-	-
Diluted Shares Outstanding	-	30	30	-	-
EPS (Basic)	-	0.21	0.18	-	-
EPS (Diluted)	-	0.21	0.18	-	-
EPS Growth	-	18.35%	-	-	-
Effective Tax Rate	4.07%	5.75%	3.53%	-	-

Source: S&P Capital IQ. Banks template. Financial Sources.