Wifak International Bank (BVMT:WIFAK)
Tunisia · Delayed Price · Currency is TND 7.74
-0.26 (-3.25%)
At close: Aug 4, 2026
Wifak International Bank 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 | 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 |
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 | 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 |
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 | 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 |
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 | 111.17 | 190 | 206.1 | 193.41 | 147.15 |
Net Cash (Debt) | -87.24 | -167.84 | -192.38 | -181.02 | -141.75 |
Net Cash Growth | - | - | - | - | - |
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 |