Banque de Tunisie Société anonyme (BVMT:BT)

BVMT:BT 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	338.05	660.35	188.31	434.46	259.86	205.12
Investment Securities	1,330	1,659	1,528	1,410	1,310	1,181
Total Investments	1,330	1,659	1,528	1,410	1,310	1,181
Gross Loans	-	7,192	6,884	6,085	5,687	5,495
Allowance for Loan Losses	-	-510.39	-497.85	-439.58	-401.11	-386.63
Other Adjustments to Gross Loans	-	-58.36	-51.82	-46.15	-40.8	-33.85
Net Loans	-	6,623	6,334	5,599	5,245	5,075
Property, Plant & Equipment	104.29	162.65	139.02	120.29	109.89	111.58
Goodwill	-	1.94	2.35	2.92	3.49	4.15
Other Intangible Assets	-	9.17	3.95	3.9	4.13	3.72
Accrued Interest Receivable	-	0.43	2.23	0.04	0.05	0.06
Other Receivables	820.29	146.12	135.64	126.19	116.83	103.96
Restricted Cash	-	5.34	4.86	2.79	3.03	7.17
Other Long-Term Assets	44.28	64.68	56.55	63.43	58.91	49.9
Total Assets	8,646	9,333	8,395	7,763	7,111	6,741
Accrued Expenses	-	131.21	94.6	123.04	137.81	115.78
Interest Bearing Deposits	6,833	4,834	3,878	3,469	2,936	2,759
Non-Interest Bearing Deposits	-	1,841	1,696	1,572	1,487	1,339
Total Deposits	6,833	6,675	5,574	5,041	4,423	4,099
Short-Term Borrowings	-	59.3	20.62	-	-	-
Current Income Taxes Payable	-	68.79	48.14	25.12	18.06	20.76
Accrued Interest Payable	-	71.57	66.24	56.33	34.86	38.97
Other Current Liabilities	-	37.82	14.12	14.23	13.97	10.09
Long-Term Debt	150.71	181.38	405.55	514.69	662.33	759.79
Long-Term Unearned Revenue	-	54.44	53.52	47.96	45.86	43.07
Other Long-Term Liabilities	261.05	503.98	642.1	565.14	515.32	479.05
Total Liabilities	7,245	7,783	6,919	6,388	5,851	5,566
Common Stock	270	270	270	270	225	225
Retained Earnings	86.16	199.44	182.32	168.56	152.12	94.41
Treasury Stock	-	-0.63	-0.63	-0.63	-0.52	-0.43
Comprehensive Income & Other	1,046	988.21	933.6	843.19	786.99	770.06
Total Common Equity	1,402	1,457	1,385	1,281	1,164	1,089
Minority Interest	-	92.83	90.92	94.23	96.03	85.8
Shareholders' Equity	1,402	1,550	1,476	1,375	1,260	1,175
Total Liabilities & Equity	8,646	9,333	8,395	7,763	7,111	6,741
Total Debt	150.71	240.69	426.17	514.69	662.33	759.79
Net Cash (Debt)	187.34	419.66	-237.86	-80.23	-402.47	-554.67
Net Cash Per Share	-	1.55	-0.88	-0.31	-1.49	-2.05
Filing Date Shares Outstanding	-	270	270	255	270	270
Total Common Shares Outstanding	-	270	270	255	270	270
Book Value Per Share	-	5.40	5.13	5.02	4.31	4.03
Tangible Book Value	1,402	1,446	1,379	1,274	1,156	1,081
Tangible Book Value Per Share	-	5.36	5.11	5.00	4.28	4.00

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.