Wifak International Bank 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	158.52	149.38	132.16	109.1	81.36	66.12
Interest Paid on Deposits	76.78	75.36	67.5	58.94	41.66	32.95
Net Interest Income	81.75	74.01	64.66	50.16	39.71	33.17
Net Interest Income Growth	17.21%	14.47%	28.89%	26.33%	19.71%	99.06%
Income From Trading Activities	2.77	2.6	2.13	2.2	3.15	1.92
Gain (Loss) on Sale of Assets	0.34	0.34	0.29	0.17	0.09	0.01
Gain (Loss) on Sale of Investments	0.91	1.06	0.74	-1.83	-0.32	-0.87
Other Non-Interest Income	46.18	44.42	37.15	32.35	18.15	14.84
Total Non-Interest Income	50.21	48.43	40.31	32.9	21.07	15.91
Non-Interest Income Growth	16.38%	20.15%	22.50%	56.17%	32.45%	24.82%
Revenues Before Loan Losses	131.95	122.44	104.96	83.07	60.77	49.08
Provision for Loan Losses	21.83	18.61	17.06	13.55	13.55	6.51
Revenue	110.13	103.83	87.91	69.52	47.22	42.57
Revenue Growth	15.85%	18.12%	26.46%	47.21%	10.93%	84.64%
Salaries and Employee Benefits	63.4	58.21	44.48	37.47	24.7	23.04
Occupancy Expenses	6.23	5.82	5.11	5.18	4.79	4.37
Selling, General & Administrative	8.43	8.43	7.21	7.06	4.73	4.4
Other Non-Interest Expense	15.27	14.42	15.48	10.27	7.49	5.2
Total Non-Interest Expense	93.34	86.88	72.28	59.98	41.72	37.01
EBT Excluding Unusual Items	16.79	16.96	15.62	9.53	5.51	5.56
Other Unusual Items	-0.68	-0.81	-0.86	-0.07	-0	-0.01
Pretax Income	16.12	16.15	14.76	9.46	5.51	5.54
Income Tax Expense	5.94	6	4.39	0.38	0.24	0.2
Earnings From Continuing Operations	10.18	10.15	10.38	9.07	5.27	5.35
Minority Interest in Earnings	-0.07	-0.07	-0.04	-0.07	-	-0
Net Income	10.12	10.08	10.34	9	5.27	5.35
Preferred Dividends & Other Adjustments	-	-	0.21	-	-	-
Net Income to Common	10.12	10.08	10.13	9	5.27	5.35
Net Income Growth	4.55%	-0.46%	12.53%	70.76%	-1.47%	-
Basic Shares Outstanding	-	30	30	30	30	30
Diluted Shares Outstanding	-	30	30	30	30	30
Shares Change	-	-	-	-	-	-
EPS (Basic)	-	0.34	0.34	0.30	0.18	0.18
EPS (Diluted)	-	0.34	0.34	0.30	0.18	0.18
EPS Growth	-	-0.46%	12.53%	70.76%	-1.47%	-

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
Effective Tax Rate	36.83%	37.16%	29.70%	4.07%	4.28%	3.53%