Wifack International Bank Société anonyme (BVMT:WIFAK)

BVMT:WIFAK Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	143.88	132.16	109.1	81.36	66.12	44.41
Interest Paid on Deposits	74.13	67.5	58.94	41.66	32.95	27.75
Net Interest Income	69.74	64.66	50.16	39.71	33.17	16.66
Net Interest Income Growth (YoY)	24.11%	28.89%	26.33%	19.71%	99.06%	12.46%
Income From Trading Activities	2.32	2.13	2.2	3.15	1.92	2.42
Gain (Loss) on Sale of Assets	0.3	0.29	0.17	0.09	0.01	-
Gain (Loss) on Sale of Investments	1.45	0.74	-1.83	-0.32	-0.87	-0.17
Other Non-Interest Income	38.67	36.75	32.35	18.15	14.84	10.49
Total Non-Interest Income	42.74	39.9	32.9	21.07	15.91	12.74
Non-Interest Income Growth (YoY)	28.37%	21.28%	56.17%	32.45%	24.82%	63.24%
Revenues Before Loan Losses	112.49	104.56	83.07	60.77	49.08	29.41
Provision for Loan Losses	17.82	17.06	13.55	13.55	6.51	6.35
Revenue	94.67	87.5	69.52	47.22	42.57	23.06
Revenue Growth (YoY)	26.14%	25.88%	47.21%	10.93%	84.64%	118.45%
Salaries and Employee Benefits	50.52	44.48	37.47	24.7	23.04	17.99
Occupancy Expenses	5.56	5.11	5.18	4.79	4.37	4.63
Selling, General & Administrative	7.53	7.21	7.06	4.73	4.4	3.2
Other Non-Interest Expense	16.26	15.48	10.27	7.49	5.2	4.71
Total Non-Interest Expense	79.88	72.28	59.98	41.72	37.01	30.53
EBT Excluding Unusual Items	14.79	15.22	9.53	5.51	5.56	-7.48
Other Unusual Items	-0.79	-0.83	-0.07	-0	-0.01	-0.02
Pretax Income	14	14.39	9.46	5.51	5.54	-7.5
Income Tax Expense	4.28	4.22	0.38	0.24	0.2	0.21
Earnings From Continuing Operations	9.72	10.17	9.07	5.27	5.35	-7.7
Minority Interest in Earnings	-0.04	-0.04	-0.07	-	-0	-0
Net Income	9.68	10.13	9	5.27	5.35	-7.71
Net Income to Common	9.68	10.13	9	5.27	5.35	-7.71
Net Income Growth	12.81%	12.53%	70.76%	-1.47%	-	-
Basic Shares Outstanding	30	30	30	30	30	-
Diluted Shares Outstanding	30	30	30	30	30	-
EPS (Basic)	0.32	0.34	0.30	0.18	0.18	-
EPS (Diluted)	0.32	0.34	0.30	0.18	0.18	-
EPS Growth	12.81%	12.53%	70.76%	-1.47%	-	-
Effective Tax Rate	30.59%	29.35%	4.07%	4.28%	3.53%	-

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