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	500.65	196.36	178.87	191.67	177.61	159.89
Investment Securities	7,782	6,494	5,428	3,906	3,604	2,859
Trading Asset Securities	8.96	2,044	1,354	1,040	802.32	672.28
Total Investments	7,791	8,539	6,782	4,946	4,406	3,532
Gross Loans	-	19,224	18,543	18,027	16,546	14,313
Allowance for Loan Losses	-	-1,318	-1,239	-1,155	-1,005	-747.35
Net Loans	-	17,906	17,304	16,872	15,540	13,566
Property, Plant & Equipment	499.2	849.18	741.52	684.12	530.63	517.29
Goodwill	-	39.44	42.4	44.2	38.69	41.19
Other Intangible Assets	-	24.43	17.44	8.58	11.58	12.27
Accrued Interest Receivable	-	20.02	18.67	27.09	9.89	3.74
Other Receivables	5,389	142.33	141.39	89.96	70.06	73.92
Restricted Cash	-	190.69	288.53	141.12	179.76	1,231
Other Long-Term Assets	650.84	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	23,595	11,050	9,993	9,186	7,944	7,848
Non-Interest Bearing Deposits	-	10,486	10,101	8,992	8,451	7,702
Total Deposits	23,595	21,536	20,094	18,179	16,395	15,550
Accrued Interest Payable	-	121.21	115.97	100.97	77.86	93.96
Other Current Liabilities	-	0.54	0.55	1.31	0.89	0.96
Long-Term Debt	1,204	995.54	861.69	959.55	1,276	727.43
Other Long-Term Liabilities	844.42	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	792.33	467.15	379.41	358.59	312.4	283.43
Comprehensive Income & Other	1,399	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	1,204	995.54	861.69	959.55	1,276	727.43
Net Cash (Debt)	-694.61	1,245	670.82	272.22	-296.07	104.74
Net Cash Growth	-	85.58%	146.42%	-	-	-
Net Cash Per Share	-	15.26	16.44	6.67	-7.26	2.57
Filing Date Shares Outstanding	-	40.8	40.8	40.8	40.8	40.8
Total Common Shares Outstanding	-	40.8	40.8	40.8	40.8	40.8
Book Value Per Share	-	63.08	56.72	52.91	49.04	46.01
Tangible Book Value	2,395	2,510	2,254	2,106	1,950	1,824
Tangible Book Value Per Share	-	61.51	55.26	51.62	47.80	44.70

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2025

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:

Sep 15, 2026

Data Sources Report a data error