Société Tunisienne de Banque Société anonyme (BVMT:STB)

BVMT:STB Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	961.24	1,059	959.2	827.97	819.45
Interest Paid on Deposits	724.1	733.49	579.62	464.57	457.57
Net Interest Income	237.14	325.21	379.58	363.41	361.88
Net Interest Income Growth (YoY)	-27.08%	-14.32%	4.45%	0.42%	0.69%
Gain (Loss) on Sale of Assets	0.66	0.77	0.19	1.01	5.18
Gain (Loss) on Sale of Investments	85.27	89.32	120.51	86.77	70.87
Other Non-Interest Income	369.04	294.26	229.17	197.57	187.48
Total Non-Interest Income	454.97	384.35	349.88	285.34	263.53
Non-Interest Income Growth (YoY)	18.38%	9.85%	22.62%	8.28%	16.97%
Revenues Before Loan Losses	692.11	709.56	729.45	648.75	625.41
Provision for Loan Losses	185.73	222.97	204.43	123.63	190.61
Revenue	506.38	486.59	525.02	525.12	434.8
Revenue Growth (YoY)	4.07%	-7.32%	-0.02%	20.77%	-10.97%
Salaries and Employee Benefits	256.08	246.36	222.79	204.66	178.09
Occupancy Expenses	19	16.28	15.14	15.71	16.32
Selling, General & Administrative	12.93	13.15	11.18	10.78	6
Other Non-Interest Expense	44.91	64.43	49.77	48.09	53.72
Total Non-Interest Expense	341.22	347.44	298.46	277.25	255.92
EBT Excluding Unusual Items	165.16	139.15	226.56	247.87	178.88
Pretax Income	165.16	139.15	226.56	247.87	178.88
Income Tax Expense	31.93	46.94	95.6	96.54	83.52
Earnings From Continuing Operations	133.23	92.21	130.96	151.33	95.36
Minority Interest in Earnings	-24.29	-22.06	-23.3	-3.86	-1.11
Net Income	103.3	59.69	99.73	125.74	68.41
Preferred Dividends & Other Adjustments	-	-	-1.1	-2.79	-
Net Income to Common	103.3	59.69	100.84	128.53	68.41
Net Income Growth	73.06%	-40.15%	-20.68%	83.79%	-61.71%
Basic Shares Outstanding	154	154	154	154	154
Diluted Shares Outstanding	154	154	154	154	154
Shares Change (YoY)	-	-0.04%	0.01%	-0.01%	-0.00%
EPS (Basic)	0.67	0.39	0.65	0.83	0.44
EPS (Diluted)	0.67	0.39	0.65	0.83	0.44
EPS Growth	73.06%	-40.78%	-21.55%	87.88%	-61.71%
Effective Tax Rate	19.33%	33.73%	42.20%	38.95%	46.69%

Updated Feb 29, 2008. Source: S&P Global Market Intelligence. Banks template. Financial Sources.