Société Tunisienne de Banque Société anonyme (BVMT: STB)

BVMT: STB Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	360.46	360.46	322.24	83.66	120.29	432.83
Investment Securities	2,653	2,653	2,345	1,846	1,603	1,439
Trading Asset Securities	-	-	-	-	-	13.99
Total Investments	2,653	2,653	2,345	1,846	1,603	1,453
Gross Loans	13,661	13,661	13,998	13,059	12,169	10,862
Allowance for Loan Losses	-2,261	-2,261	-2,211	-2,155	-2,123	-1,840
Other Adjustments to Gross Loans	-536.13	-536.13	-565.44	-669.64	-742.55	-955.87
Net Loans	10,864	10,864	11,221	10,234	9,303	8,066
Property, Plant & Equipment	164.1	164.1	146.76	137.4	141.17	144.22
Other Intangible Assets	4.85	4.85	6.4	6.32	5.13	4.2
Accrued Interest Receivable	297.29	297.29	262.27	270.19	238.79	233.56
Other Receivables	174.36	174.36	167.71	180.44	215.21	197.35
Restricted Cash	98.2	98.2	98.17	453.92	218.26	446.6
Other Current Assets	54.74	54.74	54.99	111.2	107.33	54.54
Long-Term Deferred Tax Assets	-	-	-	0.58	0.7	0.55
Other Long-Term Assets	237.99	237.99	278.59	259.1	394.84	374.23
Total Assets	14,909	14,909	14,903	13,584	12,348	11,407
Accounts Payable	5.01	5.01	4.7	3.72	4.97	4.22
Accrued Expenses	201.27	201.27	155.68	142.41	193.34	333.74
Interest Bearing Deposits	7,395	7,395	7,166	6,409	6,083	5,628
Non-Interest Bearing Deposits	2,704	2,704	2,693	2,659	2,374	1,743
Total Deposits	10,100	10,100	9,859	9,068	8,457	7,371
Current Portion of Long-Term Debt	620.86	620.86	476.23	526.98	48.73	116.97
Current Income Taxes Payable	-0.01	-0.01	5.64	85.04	83.86	83.54
Accrued Interest Payable	-5.67	-5.67	-8.52	1.64	9.3	-3.23
Other Current Liabilities	91.51	91.51	61.67	36.38	37.42	37.34
Long-Term Debt	1,595	1,595	2,065	1,893	1,862	1,813
Long-Term Unearned Revenue	16.42	16.42	16.51	16.47	16.52	16.48
Pension & Post-Retirement Benefits	82.83	82.83	69.93	71.28	51.16	47.15
Long-Term Deferred Tax Liabilities	-	-	-	34.96	32.4	33.7
Other Long-Term Liabilities	525.61	525.61	448.45	424.75	402.97	462.69
Total Liabilities	13,232	13,232	13,154	12,305	11,200	10,317
Common Stock	776.88	776.88	776.88	776.88	776.88	776.88
Retained Earnings	51.21	51.21	99.73	125.74	68.41	178.67
Treasury Stock	-5.54	-5.54	-5.51	-5.51	-5.51	-5.51
Comprehensive Income & Other	493.03	493.03	512.45	370.23	300.79	132.7
Total Common Equity	1,316	1,316	1,384	1,267	1,141	1,083
Minority Interest	361.38	361.38	365.88	11.55	8.12	7.09
Shareholders' Equity	1,677	1,677	1,749	1,279	1,149	1,090
Total Liabilities & Equity	14,909	14,909	14,903	13,584	12,348	11,407
Total Debt	2,216	2,216	2,541	2,420	1,911	1,930
Net Cash (Debt)	-1,855	-1,855	-2,219	-2,336	-1,790	-1,484
Net Cash Per Share	-12.02	-12.02	-14.37	-15.13	-11.60	-9.61
Filing Date Shares Outstanding	154.32	154.32	154.38	154.38	154.38	154.39
Total Common Shares Outstanding	154.32	154.32	154.38	154.38	154.38	154.39
Book Value Per Share	8.52	8.52	8.96	8.21	7.39	7.01
Tangible Book Value	1,311	1,311	1,377	1,261	1,135	1,079
Tangible Book Value Per Share	8.49	8.49	8.92	8.17	7.35	6.99

Source: S&P Capital IQ. Banks template. Financial Sources.