Société Tunisienne de Banque Société anonyme (BVMT:STB)

BVMT:STB 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	154.56	1,060	426.07	360.46	322.24	83.66
Investment Securities	5,049	4,549	3,329	2,653	2,345	1,846
Trading Asset Securities	-	459.93	538.6	-	-	-
Total Investments	5,049	5,008	3,868	2,653	2,345	1,846
Gross Loans	12,194	12,084	12,897	13,661	13,998	13,059
Allowance for Loan Losses	-1,546	-2,714	-2,457	-2,277	-2,211	-2,155
Other Adjustments to Gross Loans	-893.35	-808.76	-755.1	-536.13	-565.44	-669.64
Net Loans	9,755	8,561	9,685	10,848	11,221	10,234
Property, Plant & Equipment	146.95	160.01	160.54	164.1	146.76	137.4
Other Intangible Assets	7.27	7.4	8.13	4.85	6.4	6.32
Accrued Interest Receivable	222.59	235.43	168.29	290.23	262.27	270.19
Other Receivables	125.76	391.19	497.15	155.53	167.71	180.44
Restricted Cash	19.97	21.47	78.08	98.2	98.17	453.92
Other Current Assets	17.46	68.23	79.17	54.74	54.99	111.2
Long-Term Deferred Tax Assets	-	128.21	151.74	42.7	-	0.58
Other Long-Term Assets	402.14	234.38	289.44	245.06	278.59	259.1
Total Assets	15,901	15,876	15,411	14,917	14,903	13,584

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	-	-	-	5.01	4.7	3.72
Accrued Expenses	95.92	129.3	132.75	107.42	155.68	142.41
Interest Bearing Deposits	9,644	9,184	8,241	7,396	7,166	6,409
Non-Interest Bearing Deposits	3,333	3,119	2,997	2,704	2,693	2,659
Total Deposits	12,977	12,304	11,239	10,100	9,859	9,068
Current Portion of Long-Term Debt	549.82	449.02	462.64	620.58	476.23	526.98
Current Income Taxes Payable	34.7	44.24	39.1	-0.02	5.64	85.04
Accrued Interest Payable	29.77	15.43	7.59	-5.67	-8.52	1.64
Other Current Liabilities	119.16	59.69	29.64	153.55	61.67	36.38
Long-Term Debt	238.12	360.93	981.74	1,595	2,065	1,893
Long-Term Unearned Revenue	-	-	-	16.42	16.51	16.47
Pension & Post-Retirement Benefits	-	85.59	84.76	82.83	69.93	71.28
Long-Term Deferred Tax Liabilities	-	-	-	-	-	34.96
Other Long-Term Liabilities	536.3	414.7	538.88	557.42	448.45	424.75
Total Liabilities	14,581	13,862	13,516	13,232	13,154	12,305

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	776.88	776.88	776.88	776.88	776.88	776.88
Additional Paid-In Capital	86.61	59.82	59.82	59.82	-	-
Retained Earnings	447.63	58.74	91.1	59.69	99.73	125.74
Treasury Stock	-10.84	-9.59	-5.54	-5.54	-5.51	-5.51
Comprehensive Income & Other	19.83	710.52	600.1	432.24	512.45	370.23
Total Common Equity	1,320	1,596	1,522	1,323	1,384	1,267
Minority Interest	-	417.65	373.15	361.97	365.88	11.55
Shareholders' Equity	1,320	2,014	1,896	1,685	1,749	1,279
Total Liabilities & Equity	15,901	15,876	15,411	14,917	14,903	13,584

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	787.94	809.95	1,444	2,215	2,541	2,420
Net Cash (Debt)	-633.39	710.19	-479.71	-1,855	-2,219	-2,336
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-4.15	4.64	-3.11	-12.02	-14.37	-15.13
Filing Date Shares Outstanding	153.19	153.13	154.32	154.32	154.38	154.38
Total Common Shares Outstanding	153.19	153.13	154.32	154.32	154.38	154.38
Book Value Per Share	8.62	10.43	9.86	8.57	8.96	8.21
Tangible Book Value	1,313	1,589	1,514	1,318	1,377	1,261
Tangible Book Value Per Share	8.57	10.38	9.81	8.54	8.92	8.17

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 9, 2026

Data Sources Report a data error