Banque Internationale Arabe de Tunisie Société anonyme (BVMT:BIAT)

BVMT:BIAT Balance Sheet

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
Cash & Equivalents	221.7	178.87	191.67	177.61	159.89	127.08
Investment Securities	6,826	5,428	3,906	3,604	2,859	2,276
Trading Asset Securities	4.3	1,354	1,040	802.32	672.28	598.32
Total Investments	6,831	6,782	4,946	4,406	3,532	2,875
Gross Loans	18,812	18,543	18,027	16,546	14,313	13,186
Allowance for Loan Losses	-1,309	-1,239	-1,155	-1,005	-747.35	-622.87
Net Loans	17,503	17,304	16,872	15,540	13,566	12,563
Property, Plant & Equipment	411.85	741.52	684.12	530.63	517.29	469.4
Goodwill	-	42.4	44.2	38.69	41.19	43.69
Other Intangible Assets	7.03	17.44	8.58	11.58	12.27	12.32
Accrued Interest Receivable	168.06	18.67	27.09	9.89	3.74	6.7
Other Receivables	608.45	141.39	89.96	70.06	73.92	99.22
Restricted Cash	209.46	288.53	141.12	179.76	1,231	1,620
Other Long-Term Assets	1.04	763.9	658.36	661.96	635.04	625.94
Total Assets	25,996	26,278	23,663	21,627	19,772	18,442
Interest Bearing Deposits	11,018	9,993	9,186	7,944	7,848	6,959
Non-Interest Bearing Deposits	9,822	10,101	8,992	8,451	7,702	7,188
Total Deposits	20,840	20,094	18,179	16,395	15,550	14,147
Accrued Interest Payable	141.12	115.97	100.97	77.86	93.96	93.47
Other Current Liabilities	97.16	0.55	1.31	0.89	0.96	0.78
Long-Term Debt	1,998	861.69	959.55	1,276	727.43	981.1
Other Long-Term Liabilities	416.66	1,704	1,392	1,199	983.43	883.86
Total Liabilities	23,768	22,777	20,633	18,949	17,356	16,106
Common Stock	204	204	178.5	178.5	178.5	178.5
Retained Earnings	796.94	379.41	358.59	312.4	283.43	277.48
Comprehensive Income & Other	1,227	1,731	1,622	1,510	1,415	1,315
Total Common Equity	2,228	2,314	2,159	2,001	1,877	1,771
Minority Interest	-	1,187	871.18	677.65	538.79	564.5
Shareholders' Equity	2,228	3,501	3,030	2,678	2,416	2,336
Total Liabilities & Equity	25,996	26,278	23,663	21,627	19,772	18,442
Total Debt	1,998	861.69	959.55	1,276	727.43	981.1
Net Cash (Debt)	-1,772	670.82	272.22	-296.07	104.74	-255.69
Net Cash Growth	-	146.42%	-	-	-	-
Net Cash Per Share	-43.43	16.44	6.67	-7.26	2.57	-12.53
Filing Date Shares Outstanding	40.8	40.8	40.8	40.8	40.8	20.4
Total Common Shares Outstanding	40.8	40.8	40.8	40.8	40.8	20.4
Book Value Per Share	54.61	56.72	52.91	49.04	46.01	86.82
Tangible Book Value	2,221	2,254	2,106	1,950	1,824	1,715
Tangible Book Value Per Share	54.44	55.26	51.62	47.80	44.70	84.07

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.