Société Tunisienne de Banque Société anonyme (BVMT:STB)
Tunisia · Delayed Price · Currency is TND 5.54
+0.05 (0.91%)
At close: Sep 18, 2026
BVMT:STB Balance Sheet
Financials in millions TND. Fiscal year is January - December.
Millions TND. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 146.36 | 1,060 | 426.07 | 360.46 | 322.24 | 83.66 |
Investment Securities | 5,274 | 4,549 | 3,329 | 2,653 | 2,345 | 1,846 |
Trading Asset Securities | - | 459.93 | 538.6 | - | - | - |
Total Investments | 5,274 | 5,008 | 3,868 | 2,653 | 2,345 | 1,846 |
Gross Loans | - | 12,084 | 12,897 | 13,661 | 13,998 | 13,059 |
Allowance for Loan Losses | - | -2,714 | -2,457 | -2,277 | -2,211 | -2,155 |
Other Adjustments to Gross Loans | - | -808.76 | -755.1 | -536.13 | -565.44 | -669.64 |
Net Loans | - | 8,561 | 9,685 | 10,848 | 11,221 | 10,234 |
Property, Plant & Equipment | 154.22 | 160.01 | 160.54 | 164.1 | 146.76 | 137.4 |
Other Intangible Assets | - | 7.4 | 8.13 | 4.85 | 6.4 | 6.32 |
Accrued Interest Receivable | - | 235.43 | 168.29 | 290.23 | 262.27 | 270.19 |
Other Receivables | 1,187 | 391.19 | 497.15 | 155.53 | 167.71 | 180.44 |
Restricted Cash | - | 21.47 | 78.08 | 98.2 | 98.17 | 453.92 |
Other Current Assets | - | 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 | 419.6 | 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 '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Accounts Payable | - | - | - | 5.01 | 4.7 | 3.72 |
Accrued Expenses | - | 129.3 | 132.75 | 107.42 | 155.68 | 142.41 |
Interest Bearing Deposits | 13,443 | 9,184 | 8,241 | 7,396 | 7,166 | 6,409 |
Non-Interest Bearing Deposits | - | 3,119 | 2,997 | 2,704 | 2,693 | 2,659 |
Total Deposits | 13,443 | 12,304 | 11,239 | 10,100 | 9,859 | 9,068 |
Current Portion of Long-Term Debt | - | 449.02 | 462.64 | 620.58 | 476.23 | 526.98 |
Current Income Taxes Payable | - | 44.24 | 39.1 | -0.02 | 5.64 | 85.04 |
Accrued Interest Payable | - | 15.43 | 7.59 | -5.67 | -8.52 | 1.64 |
Other Current Liabilities | - | 59.69 | 29.64 | 153.55 | 61.67 | 36.38 |
Long-Term Debt | 351.31 | 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 | 786.08 | 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 '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 776.88 | 776.88 | 776.88 | 776.88 | 776.88 | 776.88 |
Additional Paid-In Capital | - | 59.82 | 59.82 | 59.82 | - | - |
Retained Earnings | 135.34 | 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 | 418.73 | 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 '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 351.31 | 809.95 | 1,444 | 2,215 | 2,541 | 2,420 |
Net Cash (Debt) | -204.96 | 710.19 | -479.71 | -1,855 | -2,219 | -2,336 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | - | 4.64 | -3.11 | -12.02 | -14.37 | -15.13 |
Filing Date Shares Outstanding | - | 153.13 | 154.32 | 154.32 | 154.38 | 154.38 |
Total Common Shares Outstanding | - | 153.13 | 154.32 | 154.32 | 154.38 | 154.38 |
Book Value Per Share | - | 10.43 | 9.86 | 8.57 | 8.96 | 8.21 |
Tangible Book Value | 1,320 | 1,589 | 1,514 | 1,318 | 1,377 | 1,261 |
Tangible Book Value Per Share | - | 10.38 | 9.81 | 8.54 | 8.92 | 8.17 |