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

BVMT:BIAT Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	3,463	196.36	178.87	191.67	177.61	159.89
Investment Securities	4,523	6,494	5,428	3,906	3,604	2,859
Trading Asset Securities	-	2,044	1,354	1,040	802.32	672.28
Total Investments	4,523	8,539	6,782	4,946	4,406	3,532
Gross Loans	19,253	19,224	18,543	18,027	16,546	14,313
Allowance for Loan Losses	-1,338	-1,318	-1,239	-1,155	-1,005	-747.35
Net Loans	17,915	17,906	17,304	16,872	15,540	13,566
Property, Plant & Equipment	487.84	849.18	741.52	684.12	530.63	517.29
Goodwill	-	39.44	42.4	44.2	38.69	41.19
Other Intangible Assets	10.32	24.43	17.44	8.58	11.58	12.27
Accrued Interest Receivable	19.69	20.02	18.67	27.09	9.89	3.74
Other Receivables	1,170	142.33	141.39	89.96	70.06	73.92
Restricted Cash	305.49	190.69	288.53	141.12	179.76	1,231
Other Long-Term Assets	106.44	888.81	763.9	658.36	661.96	635.04
Total Assets	28,039	28,796	26,278	23,663	21,627	19,772

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	12,319	11,050	9,993	9,186	7,944	7,848
Non-Interest Bearing Deposits	10,740	10,486	10,101	8,992	8,451	7,702
Total Deposits	23,060	21,536	20,094	18,179	16,395	15,550
Accrued Interest Payable	129.74	121.21	115.97	100.97	77.86	93.96
Other Current Liabilities	39.56	0.54	0.55	1.31	0.89	0.96
Long-Term Debt	1,610	995.54	861.69	959.55	1,276	727.43
Other Long-Term Liabilities	532.94	1,835	1,704	1,392	1,199	983.43
Total Liabilities	25,644	24,487	22,777	20,633	18,949	17,356

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	204	204	204	178.5	178.5	178.5
Retained Earnings	812.73	467.15	379.41	358.59	312.4	283.43
Comprehensive Income & Other	1,378	1,902	1,731	1,622	1,510	1,415
Total Common Equity	2,395	2,574	2,314	2,159	2,001	1,877
Minority Interest	-	1,735	1,187	871.18	677.65	538.79
Shareholders' Equity	2,395	4,308	3,501	3,030	2,678	2,416
Total Liabilities & Equity	28,039	28,796	26,278	23,663	21,627	19,772

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	1,610	995.54	861.69	959.55	1,276	727.43
Net Cash (Debt)	1,853	1,245	670.82	272.22	-296.07	104.74
Net Cash Growth	87.18%	85.58%	146.42%	-	-	-
Net Cash Per Share	45.42	15.26	16.44	6.67	-7.26	2.57
Filing Date Shares Outstanding	40.8	40.8	40.8	40.8	40.8	40.8
Total Common Shares Outstanding	40.8	40.8	40.8	40.8	40.8	40.8
Book Value Per Share	58.70	63.08	56.72	52.91	49.04	46.01
Tangible Book Value	2,385	2,510	2,254	2,106	1,950	1,824
Tangible Book Value Per Share	58.45	61.51	55.26	51.62	47.80	44.70

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Oct 5, 2026

Data Sources Report a data error