Wifak International Bank (BVMT:WIFAK)

Wifak International Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	33.3	23.71	22.11	13.73	12.39	5.4
Investment Securities	62.01	110.48	150.31	128.11	188.9	149.07
Trading Asset Securities	0.34	0.22	0.06	-	-	-
Total Investments	62.35	110.7	150.36	128.11	188.9	149.07
Gross Loans	1,758	1,569	1,302	1,080	872.11	679.79
Allowance for Loan Losses	-94.13	-83.97	-72.42	-56.94	-45.18	-35.08
Other Adjustments to Gross Loans	-13.91	-13.17	-10.14	-9.13	-8	-6.18
Net Loans	1,650	1,472	1,220	1,014	818.93	638.53
Property, Plant & Equipment	63.48	71.5	64.29	57.51	48.67	48.8
Goodwill	-	0.53	1.43	3.09	-	-
Other Intangible Assets	2.78	3.62	4.05	4.55	4.25	4.77
Accrued Interest Receivable	17.12	13.8	10.43	7.95	5.41	3.14
Other Receivables	67.77	48.07	41.56	26.53	16.52	5.72
Restricted Cash	46.62	75.09	108.84	110.59	99.58	102.2
Other Current Assets	73.53	53.21	40.73	21.96	37.17	16.15
Long-Term Deferred Tax Assets	-	-	-	-	1.6	1.6
Other Long-Term Assets	170.46	145.74	30.39	47.64	16.63	15.18
Total Assets	2,200	2,026	1,694	1,436	1,250	990.56

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	131.65	128.12	78.59	57.28	72.19	37.09
Accrued Expenses	17.94	19.42	13.03	9.01	4.06	6.83
Interest Bearing Deposits	1,571	1,429	1,172	943.05	755.56	622.02
Total Deposits	1,571	1,429	1,172	943.05	755.56	622.02
Current Portion of Long-Term Debt	-	25.57	-	-	-	-
Current Income Taxes Payable	-	-	-	-	5.7	3.24
Accrued Interest Payable	17.49	11.67	8.01	8.09	7.61	1.94
Long-Term Debt	111.31	85.6	190	206.1	193.41	147.15
Pension & Post-Retirement Benefits	-	-	-	-	3.36	2.35
Other Long-Term Liabilities	178.01	152.45	51.64	40.8	47.94	12.64
Total Liabilities	2,027	1,851	1,513	1,264	1,090	833.26

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	150	150	150	150	150	150
Retained Earnings	-13.81	-4.21	-8.11	-14.03	-5.22	-30.44
Treasury Stock	-0.18	-0.16	-0.34	-0.69	-0.69	-0.69
Comprehensive Income & Other	36.85	27.49	37.78	34.8	16.11	38.41
Total Common Equity	172.86	173.12	179.33	170.08	160.2	157.27
Minority Interest	-	1.48	1.41	1.37	-	0.04
Shareholders' Equity	172.86	174.6	180.74	171.45	160.2	157.31
Total Liabilities & Equity	2,200	2,026	1,694	1,436	1,250	990.56

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	111.31	111.17	190	206.1	193.41	147.15
Net Cash (Debt)	-77.67	-87.24	-167.84	-192.38	-181.02	-141.75
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-2.59	-2.91	-5.59	-6.41	-6.03	-4.73
Filing Date Shares Outstanding	29.98	29.98	29.95	29.9	30	30
Total Common Shares Outstanding	29.98	29.98	29.95	29.9	30	30
Book Value Per Share	5.77	5.77	5.99	5.69	5.34	5.24
Tangible Book Value	170.08	168.96	173.86	162.45	155.95	152.5
Tangible Book Value Per Share	5.67	5.64	5.80	5.43	5.20	5.08

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Oct 2, 2026

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