Banque Nationale Agricole Société anonyme (BVMT:BNA)

BVMT:BNA 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	575.12	243.71	228.38	173.6	153.03	298.19
Investment Securities	9,642	9,141	7,580	5,530	4,258	3,009
Trading Asset Securities	9.48	768.7	685.53	575.56	525.03	392.68
Total Investments	9,652	9,910	8,266	6,105	4,783	3,402
Gross Loans	17,018	17,508	16,327	16,403	16,103	14,924
Allowance for Loan Losses	-2,123	-2,659	-2,464	-2,308	-2,049	-2,001
Other Adjustments to Gross Loans	-1,083	-1,104	-1,010	-877.03	-741.78	-630.8
Net Loans	13,812	13,745	12,852	13,219	13,312	12,293
Property, Plant & Equipment	138.19	225.44	221.37	211.23	214.16	217.35
Goodwill	-	46.37	49.94	53.5	57.06	63.02
Other Intangible Assets	3.32	5.79	5.52	2.64	2.44	4.38
Accrued Interest Receivable	1,088	771.76	733.55	647.26	583.96	582.15
Other Receivables	148.06	441.29	360.61	367.38	326.34	2,627
Other Current Assets	1.26	307.3	308.81	2,827	2,625	164.39
Long-Term Deferred Tax Assets	-	91.5	69.11	64.78	56.85	55.66
Other Long-Term Assets	57.84	32.68	10.93	-7.78	106.83	-0.64
Total Assets	25,475	25,821	23,106	23,663	22,221	19,707

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
Accounts Payable	1	28.1	26.13	17.84	15.56	11.94
Accrued Expenses	587.46	290.58	331.49	2,871	2,737	2,314
Interest Bearing Deposits	15,249	13,550	12,295	11,592	10,698	9,590
Non-Interest Bearing Deposits	8.33	15.28	14.59	17.45	29.85	28.31
Total Deposits	15,258	13,565	12,310	11,610	10,728	9,618
Short-Term Borrowings	5,896	7,043	6,065	5,079	4,932	3,775
Current Portion of Long-Term Debt	-	-	-	-	-	350.14
Current Income Taxes Payable	77.9	166.28	113.14	89.14	79.62	75.66
Accrued Interest Payable	143.6	114.87	91.15	53.51	79.01	62.28
Other Current Liabilities	11.67	12.99	11.76	9.68	8.04	6.78
Long-Term Debt	652.43	674.93	656.63	703.59	678.82	269.63
Long-Term Unearned Revenue	9.96	11.91	11.11	9	9.73	9.19
Pension & Post-Retirement Benefits	8.97	10.8	10.09	10.25	10.34	9.53
Other Long-Term Liabilities	369.62	1,082	950.06	870.43	793.27	1,088
Total Liabilities	23,017	23,001	20,576	21,323	20,072	17,590

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	320	320	320	320	320	320
Retained Earnings	157.54	2,085	1,873	1,720	1,550	1,442
Treasury Stock	-3.93	-5.26	-4.65	-4.65	-4.9	-1.33
Comprehensive Income & Other	1,985	-	-	-	-	-
Total Common Equity	2,458	2,400	2,188	2,036	1,865	1,761
Minority Interest	-	420.54	341.19	304.25	284.35	355.62
Shareholders' Equity	2,458	2,820	2,530	2,340	2,150	2,117
Total Liabilities & Equity	25,475	25,821	23,106	23,663	22,221	19,707

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	6,549	7,718	6,722	5,782	5,611	4,394
Net Cash (Debt)	-5,964	-6,706	-5,808	-5,033	-4,932	-3,704
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-93.98	-105.66	-91.51	-79.30	-77.71	-57.99
Filing Date Shares Outstanding	63.58	63.46	63.47	63.47	63.48	63.87
Total Common Shares Outstanding	63.58	63.46	63.47	63.47	63.48	63.87
Book Value Per Share	38.67	37.82	34.48	32.07	29.39	27.57
Tangible Book Value	2,455	2,348	2,133	1,979	1,806	1,694
Tangible Book Value Per Share	38.61	36.99	33.61	31.19	28.45	26.52

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:

Sep 30, 2026

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