BVMT:UBCI Balance Sheet

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	111.66	445.12	418.04	446.51	315.21
Investment Securities	559.91	741.16	695.24	489.09	528.1
Trading Asset Securities	428.57	165.38	16.82	12.75	1.12
Total Investments	988.48	906.55	712.07	501.84	529.22
Gross Loans	3,747	3,515	3,163	3,021	2,737
Allowance for Loan Losses	-229.45	-221.15	-199.59	-193.57	-185.88
Other Adjustments to Gross Loans	-18.19	-13.24	-13.1	-14	-14.36
Net Loans	3,499	3,281	2,951	2,813	2,537
Property, Plant & Equipment	153.98	153.81	129.36	66.53	42.11
Goodwill	-	0.15	-	-	-
Accrued Interest Receivable	15.65	9.15	13	72.6	69.3
Other Receivables	709.16	283.93	197.32	225.72	189.26
Restricted Cash	-	43.69	37.25	22.71	302.56
Other Current Assets	-	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	166.16	55.4	87.15	24.3	-
Total Assets	5,644	5,182	4,552	4,180	3,992
Accrued Expenses	-	-	-	-	146.88
Interest Bearing Deposits	1,953	1,953	1,670	1,464	1,416
Non-Interest Bearing Deposits	2,137	2,004	1,759	1,773	1,781
Total Deposits	4,090	3,957	3,429	3,238	3,197
Short-Term Borrowings	-	-	197	91	-
Accrued Interest Payable	-	-	-	144.63	3.09
Long-Term Debt	724.37	331.11	55.02	78.87	83.44
Long-Term Unearned Revenue	-	-	4.33	1.7	-
Pension & Post-Retirement Benefits	-	23.18	23.18	24.3	-
Other Long-Term Liabilities	240.64	307.97	309.4	95.95	100.08
Total Liabilities	5,055	4,619	4,018	3,674	3,531
Common Stock	100.01	100.01	100.01	100.01	100.01
Retained Earnings	65.85	54.99	53.36	59.73	30.51
Comprehensive Income & Other	423.42	401.95	376.55	341.71	327.09
Total Common Equity	589.28	556.94	529.92	501.44	457.61
Minority Interest	-	6.62	4.28	4.22	3.26
Shareholders' Equity	589.28	563.56	534.2	505.66	460.87
Total Liabilities & Equity	5,644	5,182	4,552	4,180	3,992
Total Debt	724.37	331.11	252.02	169.87	83.44
Net Cash (Debt)	-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	-9.21	19.47	14.14	14.47	11.64
Filing Date Shares Outstanding	20	20	20	20	20
Total Common Shares Outstanding	20	20	20	20	20
Book Value Per Share	29.46	27.84	26.49	25.07	22.88
Tangible Book Value	589.28	556.79	529.92	501.44	457.61
Tangible Book Value Per Share	29.46	27.84	26.49	25.07	22.88