Union Internationale de Banques Société anonyme (BVMT:UIB)
Tunisia · Delayed Price · Currency is TND 34.10
+0.10 (0.29%)
At close: Jul 31, 2026
BVMT:UIB Balance Sheet
Financials in millions TND. Fiscal year is January - December.
Millions TND. Fiscal year is Jan - Dec.
Assets
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 | 1,007 | 788.54 | 442.86 | 184.12 | 133.02 |
Investment Securities | 566.01 | 490.64 | 382.58 | 378.67 | 351.38 |
Trading Asset Securities | 206 | 54.86 | 97.36 | 93.24 | 28.87 |
Total Investments | 772.01 | 545.5 | 479.95 | 471.91 | 380.25 |
Gross Loans | 7,479 | 7,123 | 7,376 | 7,135 | 6,752 |
Allowance for Loan Losses | -636.23 | -592.45 | -540.45 | -495.93 | -535.78 |
Other Adjustments to Gross Loans | -280.56 | -288.67 | -275.6 | -262 | -266.3 |
Net Loans | 6,562 | 6,242 | 6,560 | 6,377 | 5,950 |
Property, Plant & Equipment | 55.73 | 55.07 | 50.25 | 46.25 | 46.96 |
Goodwill | - | - | 0.01 | 0.01 | 0.02 |
Other Intangible Assets | 34.92 | 30.27 | 27.19 | 21.37 | 18.81 |
Other Receivables | 15.18 | 11.52 | 15.35 | 58.54 | 36.71 |
Restricted Cash | 265.93 | 567.33 | 62.47 | 40.79 | 194.03 |
Long-Term Deferred Tax Assets | 29.88 | 31.51 | 38.48 | 37.62 | 37.65 |
Other Long-Term Assets | 33.07 | 29.99 | 46.55 | 22.07 | 30.41 |
Total Assets | 8,776 | 8,302 | 7,724 | 7,260 | 6,827 |
Liabilities
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 |
Accounts Payable | 2.68 | 4.97 | 1.34 | 2.84 | 3.12 |
Accrued Expenses | 58.29 | 50.48 | 55.16 | 86.5 | 46.47 |
Interest Bearing Deposits | 5,152 | 4,989 | 4,566 | 4,280 | 3,912 |
Non-Interest Bearing Deposits | 2,101 | 1,870 | 1,721 | 1,612 | 1,576 |
Total Deposits | 7,253 | 6,858 | 6,287 | 5,891 | 5,488 |
Current Income Taxes Payable | 52.89 | 46.59 | 43.86 | 44.5 | 41.12 |
Other Current Liabilities | 28.68 | 17.19 | 21.44 | 12.34 | 14.38 |
Long-Term Debt | 81.32 | 112.43 | 164.64 | 222.72 | 298.21 |
Long-Term Deferred Tax Liabilities | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 |
Other Long-Term Liabilities | 199.84 | 178.35 | 159.2 | 106.5 | 153.07 |
Total Liabilities | 7,677 | 7,268 | 6,733 | 6,367 | 6,045 |
Shareholders' Equity
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 |
Common Stock | 172.8 | 172.8 | 172.8 | 172.8 | 172.8 |
Additional Paid-In Capital | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 |
Retained Earnings | 146.13 | 130.27 | 179.12 | 188.24 | 140.29 |
Comprehensive Income & Other | 751.63 | 702.3 | 610.66 | 504.15 | 442.14 |
Total Common Equity | 1,095 | 1,030 | 987.38 | 889.99 | 780.03 |
Minority Interest | 3.6 | 3.41 | 3.2 | 3.11 | 2.78 |
Shareholders' Equity | 1,099 | 1,034 | 990.58 | 893.1 | 782.81 |
Total Liabilities & Equity | 8,776 | 8,302 | 7,724 | 7,260 | 6,827 |
Additional Metrics
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 |
Total Debt | 81.32 | 112.43 | 164.64 | 222.72 | 298.21 |
Net Cash (Debt) | 1,131 | 730.97 | 375.58 | 54.64 | -136.32 |
Net Cash Growth | 54.78% | 94.62% | 587.38% | - | - |
Net Cash Per Share | 32.74 | 21.15 | 10.87 | 1.58 | -3.94 |
Filing Date Shares Outstanding | 34.56 | 34.56 | 34.56 | 34.56 | 34.56 |
Total Common Shares Outstanding | 34.56 | 34.56 | 34.56 | 34.56 | 34.56 |
Book Value Per Share | 31.69 | 29.81 | 28.57 | 25.75 | 22.57 |
Tangible Book Value | 1,060 | 999.89 | 960.18 | 868.61 | 761.2 |
Tangible Book Value Per Share | 30.68 | 28.93 | 27.78 | 25.13 | 22.03 |