Union Bancaire pour le Commerce et L'Industrie Société anonyme (BVMT:UBCI)
Tunisia · Delayed Price · Currency is TND 39.00
-0.40 (-1.02%)
At close: Sep 18, 2026
BVMT:UBCI 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 | 619.44 | 111.66 | 445.12 | 418.04 | 446.51 | 315.21 |
Investment Securities | 492.81 | 559.91 | 741.16 | 695.24 | 489.09 | 528.1 |
Trading Asset Securities | 559.75 | 428.57 | 165.38 | 16.82 | 12.75 | 1.12 |
Total Investments | 1,053 | 988.48 | 906.55 | 712.07 | 501.84 | 529.22 |
Gross Loans | 4,357 | 3,747 | 3,515 | 3,163 | 3,021 | 2,737 |
Allowance for Loan Losses | -242.04 | -229.45 | -221.15 | -199.59 | -193.57 | -185.88 |
Other Adjustments to Gross Loans | -20.68 | -18.19 | -13.24 | -13.1 | -14 | -14.36 |
Net Loans | 4,094 | 3,499 | 3,281 | 2,951 | 2,813 | 2,537 |
Property, Plant & Equipment | 67 | 153.98 | 153.81 | 129.36 | 66.53 | 42.11 |
Goodwill | 0.2 | - | 0.15 | - | - | - |
Accrued Interest Receivable | 27.45 | 15.65 | 9.15 | 13 | 72.6 | 69.3 |
Other Receivables | 210.55 | 709.16 | 283.93 | 197.32 | 225.72 | 189.26 |
Restricted Cash | 16.87 | - | 43.69 | 37.25 | 22.71 | 302.56 |
Other Current Assets | 19.88 | - | 0.15 | 0.26 | 0.35 | 0.76 |
Long-Term Deferred Tax Assets | - | - | 3.44 | 6.23 | 6.27 | 6.17 |
Other Real Estate Owned & Foreclosed | - | - | 0.08 | 0.3 | - | - |
Other Long-Term Assets | 28.17 | 166.16 | 55.4 | 87.15 | 24.3 | - |
Total Assets | 6,218 | 5,644 | 5,182 | 4,552 | 4,180 | 3,992 |
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 |
Accrued Expenses | 59.92 | - | - | - | - | 146.88 |
Interest Bearing Deposits | 2,098 | 1,953 | 1,953 | 1,670 | 1,464 | 1,416 |
Non-Interest Bearing Deposits | 2,304 | 2,137 | 2,004 | 1,759 | 1,773 | 1,781 |
Total Deposits | 4,403 | 4,090 | 3,957 | 3,429 | 3,238 | 3,197 |
Short-Term Borrowings | 513 | - | - | 197 | 91 | - |
Accrued Interest Payable | - | - | - | - | 144.63 | 3.09 |
Long-Term Debt | 342.02 | 724.37 | 331.11 | 55.02 | 78.87 | 83.44 |
Long-Term Unearned Revenue | 1.75 | - | - | 4.33 | 1.7 | - |
Pension & Post-Retirement Benefits | 27.23 | - | 23.18 | 23.18 | 24.3 | - |
Other Long-Term Liabilities | 278.3 | 240.64 | 307.97 | 309.4 | 95.95 | 100.08 |
Total Liabilities | 5,625 | 5,055 | 4,619 | 4,018 | 3,674 | 3,531 |
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 | 100.01 | 100.01 | 100.01 | 100.01 | 100.01 | 100.01 |
Retained Earnings | 151.63 | 65.85 | 54.99 | 53.36 | 59.73 | 30.51 |
Comprehensive Income & Other | 341.66 | 423.42 | 401.95 | 376.55 | 341.71 | 327.09 |
Total Common Equity | 593.3 | 589.28 | 556.94 | 529.92 | 501.44 | 457.61 |
Minority Interest | - | - | 6.62 | 4.28 | 4.22 | 3.26 |
Shareholders' Equity | 593.3 | 589.28 | 563.56 | 534.2 | 505.66 | 460.87 |
Total Liabilities & Equity | 6,218 | 5,644 | 5,182 | 4,552 | 4,180 | 3,992 |
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 | 855.02 | 724.37 | 331.11 | 252.02 | 169.87 | 83.44 |
Net Cash (Debt) | 325.06 | -184.14 | 389.39 | 282.83 | 289.39 | 232.89 |
Net Cash Growth | - | - | 37.67% | -2.27% | 24.26% | 281.46% |
Net Cash Per Share | 16.25 | -9.21 | 19.47 | 14.14 | 14.47 | 11.64 |
Filing Date Shares Outstanding | 20 | 20 | 20 | 20 | 20 | 20 |
Total Common Shares Outstanding | 20 | 20 | 20 | 20 | 20 | 20 |
Book Value Per Share | 29.66 | 29.46 | 27.84 | 26.49 | 25.07 | 22.88 |
Tangible Book Value | 511.05 | 589.28 | 556.79 | 529.92 | 501.44 | 457.61 |
Tangible Book Value Per Share | 25.55 | 29.46 | 27.84 | 26.49 | 25.07 | 22.88 |