BH Bank Société anonyme Balance Sheet

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
Cash & Equivalents	401.11	92.09	89.05	129.77	162.14
Investment Securities	3,944	3,338	2,219	1,662	1,650
Trading Asset Securities	432.34	370.61	532.14	805.08	306.91
Total Investments	4,376	3,709	2,751	2,467	1,957
Gross Loans	12,992	13,040	12,529	12,922	12,019
Allowance for Loan Losses	-1,843	-1,664	-1,584	-1,582	-1,527
Other Adjustments to Gross Loans	-494.33	-453.72	-452.3	-425.33	-387.52
Net Loans	10,654	10,923	10,492	10,915	10,105
Property, Plant & Equipment	177.77	166.08	174.44	166.72	159.01
Goodwill	-	-	-	-0.06	0.33
Other Intangible Assets	8.83	7.88	10.91	8.04	7.52
Accrued Interest Receivable	61.38	64.46	67.61	70.71	65.05
Other Receivables	490.93	295.64	336.98	330.24	322.98
Restricted Cash	64.48	65.52	204.93	55.14	70.37
Other Current Assets	35.23	27.84	21.37	16.73	13.99
Long-Term Deferred Tax Assets	30.2	30.85	30.92	30.38	26.34
Other Long-Term Assets	40.91	83.65	67.88	66.01	44.7
Total Assets	16,346	15,471	14,254	14,262	12,942
Accounts Payable	38.92	38.02	57.4	56.31	56.09
Accrued Expenses	45.82	16.78	55.7	99.9	32.43
Interest Bearing Deposits	8,842	8,067	7,817	7,279	6,757
Non-Interest Bearing Deposits	18.89	24.07	35.65	67.73	24.28
Total Deposits	8,861	8,092	7,853	7,347	6,781
Short-Term Borrowings	1,014	621.03	785.53	909.8	352
Current Income Taxes Payable	14.84	73.17	94.02	76.69	73.81
Accrued Interest Payable	64.33	59.91	52.54	45.8	42.74
Other Current Liabilities	143.32	-29.14	19.08	61.22	94.05
Long-Term Debt	3,681	4,207	3,245	3,849	3,840
Long-Term Unearned Revenue	89.22	95.48	64.29	-	-
Long-Term Deferred Tax Liabilities	21.8	20.91	20.37	20.07	19.59
Other Long-Term Liabilities	474.79	459.68	447.89	338.6	286.65
Total Liabilities	14,449	13,655	12,694	12,804	11,578
Common Stock	238	238	238	238	238
Retained Earnings	42.86	71.03	142.98	125.15	137.81
Comprehensive Income & Other	1,357	1,302	985.89	898.01	808.37
Total Common Equity	1,638	1,611	1,367	1,261	1,184
Minority Interest	259.34	205.34	192.84	196.36	179.26
Shareholders' Equity	1,898	1,816	1,560	1,458	1,363
Total Liabilities & Equity	16,346	15,471	14,254	14,262	12,942
Total Debt	4,694	4,828	4,030	4,759	4,192
Net Cash (Debt)	-3,861	-4,366	-3,409	-3,824	-3,723
Net Cash Per Share	-81.11	-91.71	-71.62	-80.34	-78.21
Filing Date Shares Outstanding	47.6	47.6	47.6	47.6	47.6
Total Common Shares Outstanding	47.6	47.6	47.6	47.6	47.6
Book Value Per Share	34.42	33.85	28.72	26.49	24.88
Tangible Book Value	1,629	1,603	1,356	1,253	1,176
Tangible Book Value Per Share	34.23	33.68	28.49	26.33	24.71