BVMT:TJARI Balance Sheet

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	1,635	1,399	1,569	580.51	647.61
Investment Securities	1,745	1,457	1,079	1,037	763.31
Trading Asset Securities	46.36	40.3	666.6	844.55	542.38
Total Investments	1,792	1,498	1,745	1,882	1,306
Gross Loans	9,089	8,643	8,228	7,952	7,553
Allowance for Loan Losses	-737.74	-708.43	-663.58	-741.48	-714.19
Other Adjustments to Gross Loans	-84.38	-82.78	-80.56	-96.07	-94.29
Net Loans	8,267	7,852	7,484	7,115	6,745
Property, Plant & Equipment	155.66	148.35	160.7	147.12	142.98
Goodwill	0.22	0.31	0.41	0.51	0.6
Accrued Interest Receivable	87.07	105.15	83.48	69.39	72.41
Other Receivables	271.9	598.85	532.02	331.09	152.08
Restricted Cash	95.28	144.17	46.51	773.21	1,155
Other Current Assets	19.12	23.5	46.17	37.8	34.5
Long-Term Deferred Tax Assets	3.25	3.25	-	-	-
Other Long-Term Assets	107.58	140.15	73.45	71.25	76.66
Total Assets	12,434	11,912	11,741	11,008	10,333
Accounts Payable	120.72	158.55	111.17	143.2	91.81
Accrued Expenses	67.83	1.19	85.7	91.31	92.86
Interest Bearing Deposits	2,737	4,547	4,292	3,754	3,704
Non-Interest Bearing Deposits	6,856	4,434	4,149	3,948	3,581
Total Deposits	9,594	8,982	8,441	7,702	7,285
Current Income Taxes Payable	52.07	57.91	32.91	28.36	34.08
Accrued Interest Payable	64.19	53.66	45.77	29.51	33.93
Long-Term Debt	935.95	971.15	1,071	1,289	1,237
Long-Term Deferred Tax Liabilities	-	-	0.71	0.71	0.71
Other Long-Term Liabilities	384.14	537.81	882.93	730.33	629.33
Total Liabilities	11,218	10,762	10,671	10,014	9,404
Common Stock	210	210	203.71	203.71	203.71
Retained Earnings	396.5	404.63	401.94	380.27	332.28
Comprehensive Income & Other	576.5	505.09	406.83	360.31	349.71
Total Common Equity	1,183	1,120	1,012	944.29	885.7
Minority Interest	32.8	30.67	56.71	49.16	42.91
Shareholders' Equity	1,216	1,150	1,069	993.45	928.62
Total Liabilities & Equity	12,434	11,912	11,741	11,008	10,333
Total Debt	935.95	971.15	1,071	1,289	1,237
Net Cash (Debt)	745.85	467.89	1,164	136.37	-46.53
Net Cash Growth	59.41%	-59.80%	753.50%	-	-
Net Cash Per Share	14.92	9.36	24.00	2.81	-0.96
Filing Date Shares Outstanding	50	50	48.5	48.5	48.5
Total Common Shares Outstanding	50	50	48.5	48.5	48.5
Book Value Per Share	23.66	22.39	20.87	19.47	18.26
Tangible Book Value	1,183	1,119	1,012	943.78	885.1
Tangible Book Value Per Share	23.66	22.39	20.87	19.46	18.25

Source: S&P Global Market Intelligence. Banks template. Financial Sources.