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	2015 - 2019
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	2015 - 2019
Cash & Equivalents	540.66	445.12	418.04	446.51	315.21	221.04	Upgrade
Investment Securities	569.88	741.16	695.24	489.09	528.1	363.42	Upgrade
Trading Asset Securities	353.73	165.38	16.82	12.75	1.12	1.58	Upgrade
Total Investments	923.61	906.55	712.07	501.84	529.22	365.01	Upgrade
Gross Loans	3,899	3,515	3,163	3,021	2,737	2,650	Upgrade
Allowance for Loan Losses	-216.06	-221.15	-199.59	-193.57	-185.88	-178.72	Upgrade
Other Adjustments to Gross Loans	-14.91	-13.24	-13.1	-14	-14.36	-14.9	Upgrade
Net Loans	3,668	3,281	2,951	2,813	2,537	2,457	Upgrade
Property, Plant & Equipment	71.77	153.81	129.36	66.53	42.11	35.63	Upgrade
Goodwill	0.22	0.15	-	-	-	-	Upgrade
Accrued Interest Receivable	30.19	9.15	13	72.6	69.3	72.53	Upgrade
Other Receivables	255.86	283.93	197.32	225.72	189.26	81.28	Upgrade
Restricted Cash	41.73	43.69	37.25	22.71	302.56	241.97	Upgrade
Other Current Assets	39.03	0.15	0.26	0.35	0.76	0.85	Upgrade
Long-Term Deferred Tax Assets	-	3.44	6.23	6.27	6.17	15.3	Upgrade
Other Real Estate Owned & Foreclosed	-	0.08	0.3	-	-	-	Upgrade
Other Long-Term Assets	26.7	55.4	87.15	24.3	-	-	Upgrade
Total Assets	5,687	5,182	4,552	4,180	3,992	3,490	Upgrade
Accounts Payable	-	-	-	-	-	54.33	Upgrade
Accrued Expenses	67.05	-	-	-	146.88	98.04	Upgrade
Interest Bearing Deposits	1,743	1,953	1,670	1,464	1,416	1,197	Upgrade
Non-Interest Bearing Deposits	2,112	2,004	1,759	1,773	1,781	1,480	Upgrade
Total Deposits	3,855	3,957	3,429	3,238	3,197	2,676	Upgrade
Short-Term Borrowings	670	-	197	91	-	-	Upgrade
Accrued Interest Payable	-	-	-	144.63	3.09	4.21	Upgrade
Other Current Liabilities	101.4	-	-	-	-	-	Upgrade
Long-Term Debt	278.7	331.11	55.02	78.87	83.44	161.57	Upgrade
Long-Term Unearned Revenue	0.7	-	4.33	1.7	-	-	Upgrade
Pension & Post-Retirement Benefits	26.49	23.18	23.18	24.3	-	-	Upgrade
Other Long-Term Liabilities	136.84	307.97	309.4	95.95	100.08	43.44	Upgrade
Total Liabilities	5,136	4,619	4,018	3,674	3,531	3,038	Upgrade
Common Stock	100.01	100.01	100.01	100.01	100.01	100.01	Upgrade
Retained Earnings	123.97	54.99	53.36	59.73	30.51	42.46	Upgrade
Comprehensive Income & Other	326.81	401.95	376.55	341.71	327.09	306.66	Upgrade
Total Common Equity	550.79	556.94	529.92	501.44	457.61	449.13	Upgrade
Minority Interest	-	6.62	4.28	4.22	3.26	3.34	Upgrade
Shareholders' Equity	550.79	563.56	534.2	505.66	460.87	452.47	Upgrade
Total Liabilities & Equity	5,687	5,182	4,552	4,180	3,992	3,490	Upgrade
Total Debt	948.7	331.11	252.02	169.87	83.44	161.57	Upgrade
Net Cash (Debt)	-52.01	389.39	282.83	289.39	232.89	61.05	Upgrade
Net Cash Growth	-	37.67%	-2.27%	24.26%	281.46%	-	Upgrade
Net Cash Per Share	-2.60	19.47	14.14	14.47	11.64	3.05	Upgrade
Filing Date Shares Outstanding	20	20	20	20	20	20	Upgrade
Total Common Shares Outstanding	20	20	20	20	20	20	Upgrade
Book Value Per Share	27.54	27.84	26.49	25.07	22.88	22.45	Upgrade
Tangible Book Value	461.69	556.79	529.92	501.44	457.61	449.13	Upgrade
Tangible Book Value Per Share	23.08	27.84	26.49	25.07	22.88	22.45	Upgrade

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