Wifak International Bank 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	23.71	22.11	13.73	12.39	5.4
Investment Securities	110.48	150.31	128.11	188.9	149.07
Trading Asset Securities	0.22	0.06	-	-	-
Total Investments	110.7	150.36	128.11	188.9	149.07
Gross Loans	1,569	1,302	1,080	872.11	679.79
Allowance for Loan Losses	-83.97	-72.42	-56.94	-45.18	-35.08
Other Adjustments to Gross Loans	-13.17	-10.14	-9.13	-8	-6.18
Net Loans	1,472	1,220	1,014	818.93	638.53
Property, Plant & Equipment	71.5	64.29	57.51	48.67	48.8
Goodwill	0.53	1.43	3.09	-	-
Other Intangible Assets	3.62	4.05	4.55	4.25	4.77
Accrued Interest Receivable	13.8	10.43	7.95	5.41	3.14
Other Receivables	48.07	41.56	26.53	16.52	5.72
Restricted Cash	75.09	108.84	110.59	99.58	102.2
Other Current Assets	53.21	40.73	21.96	37.17	16.15
Long-Term Deferred Tax Assets	-	-	-	1.6	1.6
Other Long-Term Assets	145.74	30.39	47.64	16.63	15.18
Total Assets	2,026	1,694	1,436	1,250	990.56
Accounts Payable	128.12	78.59	57.28	72.19	37.09
Accrued Expenses	19.42	13.03	9.01	4.06	6.83
Interest Bearing Deposits	1,429	1,172	943.05	755.56	622.02
Total Deposits	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	11.67	8.01	8.09	7.61	1.94
Long-Term Debt	85.6	190	206.1	193.41	147.15
Pension & Post-Retirement Benefits	-	-	-	3.36	2.35
Other Long-Term Liabilities	152.45	51.64	40.8	47.94	12.64
Total Liabilities	1,851	1,513	1,264	1,090	833.26
Common Stock	150	150	150	150	150
Retained Earnings	-4.21	-8.11	-14.03	-5.22	-30.44
Treasury Stock	-0.16	-0.34	-0.69	-0.69	-0.69
Comprehensive Income & Other	27.49	37.78	34.8	16.11	38.41
Total Common Equity	173.12	179.33	170.08	160.2	157.27
Minority Interest	1.48	1.41	1.37	-	0.04
Shareholders' Equity	174.6	180.74	171.45	160.2	157.31
Total Liabilities & Equity	2,026	1,694	1,436	1,250	990.56
Total Debt	111.17	190	206.1	193.41	147.15
Net Cash (Debt)	-87.24	-167.84	-192.38	-181.02	-141.75
Net Cash Per Share	-2.91	-5.59	-6.41	-6.03	-4.73
Filing Date Shares Outstanding	29.98	29.95	29.9	30	30
Total Common Shares Outstanding	29.98	29.95	29.9	30	30
Book Value Per Share	5.77	5.99	5.69	5.34	5.24
Tangible Book Value	168.96	173.86	162.45	155.95	152.5
Tangible Book Value Per Share	5.64	5.80	5.43	5.20	5.08

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