BVMT:UBCI Balance Sheet

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	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	540.66	445.12	418.04	446.51	315.21	221.04
Investment Securities	569.88	741.16	695.24	489.09	528.1	363.42
Trading Asset Securities	353.73	165.38	16.82	12.75	1.12	1.58
Total Investments	923.61	906.55	712.07	501.84	529.22	365.01
Gross Loans	3,899	3,515	3,163	3,021	2,737	2,650
Allowance for Loan Losses	-216.06	-221.15	-199.59	-193.57	-185.88	-178.72
Other Adjustments to Gross Loans	-14.91	-13.24	-13.1	-14	-14.36	-14.9
Net Loans	3,668	3,281	2,951	2,813	2,537	2,457
Property, Plant & Equipment	71.77	153.81	129.36	66.53	42.11	35.63
Goodwill	0.22	0.15	-	-	-	-
Accrued Interest Receivable	30.19	9.15	13	72.6	69.3	72.53
Other Receivables	255.86	283.93	197.32	225.72	189.26	81.28
Restricted Cash	41.73	43.69	37.25	22.71	302.56	241.97
Other Current Assets	39.03	0.15	0.26	0.35	0.76	0.85
Long-Term Deferred Tax Assets	-	3.44	6.23	6.27	6.17	15.3
Other Real Estate Owned & Foreclosed	-	0.08	0.3	-	-	-
Other Long-Term Assets	26.7	55.4	87.15	24.3	-	-
Total Assets	5,687	5,182	4,552	4,180	3,992	3,490
Accounts Payable	-	-	-	-	-	54.33
Accrued Expenses	67.05	-	-	-	146.88	98.04
Interest Bearing Deposits	1,743	1,953	1,670	1,464	1,416	1,197
Non-Interest Bearing Deposits	2,112	2,004	1,759	1,773	1,781	1,480
Total Deposits	3,855	3,957	3,429	3,238	3,197	2,676
Short-Term Borrowings	670	-	197	91	-	-
Accrued Interest Payable	-	-	-	144.63	3.09	4.21
Other Current Liabilities	101.4	-	-	-	-	-
Long-Term Debt	278.7	331.11	55.02	78.87	83.44	161.57
Long-Term Unearned Revenue	0.7	-	4.33	1.7	-	-
Pension & Post-Retirement Benefits	26.49	23.18	23.18	24.3	-	-
Other Long-Term Liabilities	136.84	307.97	309.4	95.95	100.08	43.44
Total Liabilities	5,136	4,619	4,018	3,674	3,531	3,038
Common Stock	100.01	100.01	100.01	100.01	100.01	100.01
Retained Earnings	123.97	54.99	53.36	59.73	30.51	42.46
Comprehensive Income & Other	326.81	401.95	376.55	341.71	327.09	306.66
Total Common Equity	550.79	556.94	529.92	501.44	457.61	449.13
Minority Interest	-	6.62	4.28	4.22	3.26	3.34
Shareholders' Equity	550.79	563.56	534.2	505.66	460.87	452.47
Total Liabilities & Equity	5,687	5,182	4,552	4,180	3,992	3,490
Total Debt	948.7	331.11	252.02	169.87	83.44	161.57
Net Cash (Debt)	-52.01	389.39	282.83	289.39	232.89	61.05
Net Cash Growth	-	37.67%	-2.27%	24.26%	281.46%	-
Net Cash Per Share	-2.60	19.47	14.14	14.47	11.64	3.05
Filing Date Shares Outstanding	20	20	20	20	20	20
Total Common Shares Outstanding	20	20	20	20	20	20
Book Value Per Share	27.54	27.84	26.49	25.07	22.88	22.45
Tangible Book Value	461.69	556.79	529.92	501.44	457.61	449.13
Tangible Book Value Per Share	23.08	27.84	26.49	25.07	22.88	22.45

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