Wifak International Bank 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	149.38	132.16	109.1	81.36	66.12
Interest Paid on Deposits	75.36	67.5	58.94	41.66	32.95
Net Interest Income	74.01	64.66	50.16	39.71	33.17
Net Interest Income Growth (YoY)	14.47%	28.89%	26.33%	19.71%	99.06%
Income From Trading Activities	2.6	2.13	2.2	3.15	1.92
Gain (Loss) on Sale of Assets	-	0.29	0.17	0.09	0.01
Gain (Loss) on Sale of Investments	1.06	0.74	-1.83	-0.32	-0.87
Other Non-Interest Income	44.42	36.75	32.35	18.15	14.84
Total Non-Interest Income	48.08	39.9	32.9	21.07	15.91
Non-Interest Income Growth (YoY)	20.50%	21.28%	56.17%	32.45%	24.82%
Revenues Before Loan Losses	122.1	104.56	83.07	60.77	49.08
Provision for Loan Losses	18.61	17.06	13.55	13.55	6.51
Revenue	103.49	87.5	69.52	47.22	42.57
Revenue Growth (YoY)	18.27%	25.88%	47.21%	10.93%	84.64%
Salaries and Employee Benefits	59.41	44.48	37.47	24.7	23.04
Occupancy Expenses	5.82	5.11	5.18	4.79	4.37
Selling, General & Administrative	-	7.21	7.06	4.73	4.4
Other Non-Interest Expense	21.31	15.48	10.27	7.49	5.2
Total Non-Interest Expense	86.53	72.28	59.98	41.72	37.01
EBT Excluding Unusual Items	16.96	15.22	9.53	5.51	5.56
Other Unusual Items	-0.81	-0.83	-0.07	-0	-0.01
Pretax Income	16.15	14.39	9.46	5.51	5.54
Income Tax Expense	6	4.22	0.38	0.24	0.2
Earnings From Continuing Operations	10.15	10.17	9.07	5.27	5.35
Minority Interest in Earnings	-0.07	-0.04	-0.07	-	-0
Net Income	10.08	10.13	9	5.27	5.35
Net Income to Common	10.08	10.13	9	5.27	5.35
Net Income Growth	-0.46%	12.53%	70.76%	-1.47%	-
Basic Shares Outstanding	-	30	30	30	30
Diluted Shares Outstanding	-	30	30	30	30
EPS (Basic)	-	0.34	0.30	0.18	0.18
EPS (Diluted)	-	0.34	0.30	0.18	0.18
EPS Growth	-	12.53%	70.76%	-1.47%	-
Effective Tax Rate	37.16%	29.35%	4.07%	4.28%	3.53%

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