Banque de Tunisie Société anonyme (BVMT:BT)

BVMT:BT 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	407.64	258.5	660.35	188.31	434.46	259.86
Investment Securities	1,389	1,765	1,659	1,528	1,410	1,310
Total Investments	1,389	1,765	1,659	1,528	1,410	1,310
Gross Loans	7,204	7,699	7,192	6,884	6,085	5,687
Allowance for Loan Losses	-545.4	-520.39	-510.39	-497.85	-439.58	-401.11
Other Adjustments to Gross Loans	-71.34	-66.15	-58.36	-51.82	-46.15	-40.8
Net Loans	6,588	7,113	6,623	6,334	5,599	5,245
Property, Plant & Equipment	66.44	186.61	162.65	139.02	120.29	109.89
Goodwill	0.22	2.82	3.26	3.66	2.92	3.49
Other Intangible Assets	62.66	10.25	7.66	2.44	3.9	4.13
Accrued Interest Receivable	-	0.06	0.43	2.23	0.04	0.05
Other Receivables	320.27	145.52	146.12	135.64	126.19	116.83
Restricted Cash	62.18	6.56	5.34	4.86	2.79	3.03
Other Long-Term Assets	33.51	96.76	64.68	56.55	63.43	58.91
Total Assets	8,930	9,585	9,333	8,395	7,763	7,111

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
Accrued Expenses	222.26	162.44	190.51	94.6	123.04	137.81
Interest Bearing Deposits	4,803	5,047	4,834	3,878	3,469	2,936
Non-Interest Bearing Deposits	1,909	1,880	1,841	1,696	1,572	1,487
Total Deposits	6,712	6,927	6,675	5,574	5,041	4,423
Short-Term Borrowings	229.45	-	-	20.62	-	-
Current Income Taxes Payable	52.15	42.63	68.79	48.14	25.12	18.06
Accrued Interest Payable	0.08	75.04	71.57	66.24	56.33	34.86
Other Current Liabilities	20.78	37.16	37.82	14.12	14.23	13.97
Long-Term Debt	124.62	126.75	181.38	405.55	514.69	662.33
Long-Term Unearned Revenue	-	56.56	54.44	53.52	47.96	45.86
Other Long-Term Liabilities	23.71	516.07	503.98	642.1	565.14	515.32
Total Liabilities	7,422	7,944	7,783	6,919	6,388	5,851

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	270	270	270	270	270	225
Retained Earnings	718.55	202.82	199.44	182.32	168.56	152.12
Treasury Stock	-	-0.3	-0.63	-0.63	-0.63	-0.52
Comprehensive Income & Other	519.76	1,065	988.21	933.6	843.19	786.99
Total Common Equity	1,508	1,537	1,457	1,385	1,281	1,164
Minority Interest	-	103.28	92.83	90.92	94.23	96.03
Shareholders' Equity	1,508	1,641	1,550	1,476	1,375	1,260
Total Liabilities & Equity	8,930	9,585	9,333	8,395	7,763	7,111

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	389.74	126.75	181.38	426.17	514.69	662.33
Net Cash (Debt)	17.9	131.75	478.97	-237.86	-80.23	-402.47
Net Cash Growth	-96.72%	-72.49%	-	-	-	-
Net Cash Per Share	0.07	0.49	1.77	-0.88	-0.31	-1.49
Filing Date Shares Outstanding	270	270	270	270	255	270
Total Common Shares Outstanding	270	270	270	270	255	270
Book Value Per Share	5.59	5.69	5.40	5.13	5.02	4.31
Tangible Book Value	1,445	1,524	1,446	1,379	1,274	1,156
Tangible Book Value Per Share	5.35	5.65	5.36	5.11	5.00	4.28

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 1, 2026

Data Sources Report a data error