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Amen Bank

AB · Bourse de Tunis · Consolidated statements

On this page
Company details
Legal name
AMEN BANK
Listing
AB on the Bourse de Tunis, active · ISIN TN0003400058 (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · annual report, signed / final · source

Source and wording notes

  • Audited financial statements for 2024: final status not established

    The commissaires aux comptes' report on the consolidated statements (PDF pp44-50) gives an unmodified opinion (p44) with three observation paragraphs (p47) and closes 'Tunis, le 02 avril 2025, Les commissaires aux comptes, La Générale d'Audit et Conseil, Membre de MGI Worldwide, Chiheb GHANMI, Associé; ECC MAZARS, Borhen CHEBBI' with the names typeset only: no handwritten signature and no stamp (PDF p50, page image): name printed, unsigned. Note 9 states the statements were authorised for publication by the conseil de surveillance on 28/03/2025 (PDF p43, text; no signature printed with the statements).

    Source: AMEN BANK — Etats financiers consolidés arrêtés au 31/12/2024 (dated 2025-04-02)

  • Auditor's emphasis of matter

    Paragraphes d'observation (p47): (1) some financial statements of consolidated companies used for the consolidation were not yet audited by their auditors at the date of the report; (2) the bank holds general 'provisions collectives' under BCT circular 91-24, stock 179 394 KDT at 31/12/2024 (note 1.5); (3) note 8.2 describes the competition-council case against the banking sector over COVID-19 deferrals, with no decision notified. 'Notre opinion n'est pas modifiée à l'égard de ces points.'

    Source: AMEN BANK — Etats financiers consolidés arrêtés au 31/12/2024 (dated 2025-04-02)

FY2023 figures come from an audited financial statements, final status not established — see the column notes.

  • Produits nets Bancaires

    TND 652 million

    651,605 TND thousands · p139

    +15.8% vs 2024

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    TND 276 million

    275,909 TND thousands · p139

    +12.9% vs 2024

  • Total assets

    TND 13.3 billion

    13,323,747 TND thousands · p138

    +13.1% vs 2024

  • Customer deposits

    TND 8.45 billion

    8,446,683 TND thousands · p138

    +8.4% vs 2024

  • Total equity

    Not reported in this filing

Large amounts are rounded for reading (TND million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in TND thousands unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; comparative in the FY2025 filing · source
  • FY2023 — audited financial statements, final status not established; comparative in the FY2024 filing · source
    • Audited financial statements for 2024: final status not established. The commissaires aux comptes' report on the consolidated statements (PDF pp44-50) gives an unmodified opinion (p44) with three observation paragraphs (p47) and closes 'Tunis, le 02 avril 2025, Les commissaires aux comptes, La Générale d'Audit et Conseil, Membre de MGI Worldwide, Chiheb GHANMI, Associé; ECC MAZARS, Borhen CHEBBI' with the names typeset only: no handwritten signature and no stamp (PDF p50, page image): name printed, unsigned. Note 9 states the statements were authorised for publication by the conseil de surveillance on 28/03/2025 (PDF p43, text; no signature printed with the statements).
    • Auditor's emphasis of matter. Paragraphes d'observation (p47): (1) some financial statements of consolidated companies used for the consolidation were not yet audited by their auditors at the date of the report; (2) the bank holds general 'provisions collectives' under BCT circular 91-24, stock 179 394 KDT at 31/12/2024 (note 1.5); (3) note 8.2 describes the competition-council case against the banking sector over COVID-19 deferrals, with no decision notified. 'Notre opinion n'est pas modifiée à l'égard de ces points.'

Income statement

Income statement, TND thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Audited financial statementscomparative in FY2024 filingsource limitations
Intérêts et revenus assimilés 829,823 819,106 775,672
Commissions (en produits) 198,968 154,750 151,461
Gains sur portefeuille-titres commercial et opérations financières 67,689 36,851 39,587
Revenus du portefeuille d'investissement1 222,914 188,701 171,925
Total produits d'exploitation Bancaire2 1,319,394 1,199,408 1,138,645
Intérêts encourus et charges assimilées (645,577) (620,317) (586,245)
Commissions encourues (22,212) (16,431) (14,091)
Total charges d'exploitation Bancaire3 (667,789) (636,748) (600,336)
Produits nets Bancaires 651,605 562,660 538,309
Dotations aux provisions et résultat des corrections de valeur sur créances, hors bilan et passifs (78,157) (80,282) (86,674)
Dotations aux provisions et résultat des corrections de valeur sur portefeuille d'investissement4 5,508 974 2,237
Autres produits d'exploitation (156) 1,557 123
Frais de personnel (187,263) (164,681) (157,436)
Charges générales d'exploitation (73,410) (59,007) (56,997)
Dotations aux amortissements aux provisions sur immobilisations5 (15,064) (9,801) (8,390)
Résultat d'exploitation 303,063 251,420 231,172
Quote-part dans le résultat des entreprises mises en équivalence 13,930 31,108 13,827
Solde en gain/ perte provenant des autres éléments ordinaires6 (1,001) (4,869) (2,016)
Impôt sur les bénéfices (38,178) (30,869) (20,252)
Résultat des activités ordinaires7 277,814 246,790 222,731
Solde en gain / perte provenant des éléments extraordinaires8 (1,905) (2,442) (5,584)
Résultat net consolidé 275,909 244,348 217,147
Part du résultat revenant aux minoritaires9 11,073 803 601
Notes and alternative reported figures (9)
  1. “Revenus du portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Note 6-4.
  2. “Total produits d'exploitation Bancaire” is an issuer-specific line, not mapped to a shared definition: Total banking operating income.
  3. “Total charges d'exploitation Bancaire” is an issuer-specific line, not mapped to a shared definition: Total banking operating charges (negative).
  4. “Dotations aux provisions et résultat des corrections de valeur sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Note 6-7 (PR6/CH5).
  5. “Dotations aux amortissements aux provisions sur immobilisations” is an issuer-specific line, not mapped to a shared definition: Note 6-8 (CH8).
  6. “Solde en gain/ perte provenant des autres éléments ordinaires” is an issuer-specific line, not mapped to a shared definition: Note 6-9 (PR8/CH9).
  7. “Résultat des activités ordinaires” is an issuer-specific line, not mapped to a shared definition: Result after income tax, before extraordinary items.
  8. “Solde en gain / perte provenant des éléments extraordinaires” is an issuer-specific line, not mapped to a shared definition: Note 6-11 (PR9/CH10).
  9. “Part du résultat revenant aux minoritaires” is an issuer-specific line, not mapped to a shared definition: Share of the consolidated result attributable to minority interests.

Balance sheet

Balance sheet, TND thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Audited financial statementscomparative in FY2024 filingsource limitations
Caisse et avoirs auprès de la BCT, CCP et TGT 702,754 612,472 494,489
Créances sur les établissements bancaires et financiers 561,915 479,405 314,456
Créances sur la clientèle 8,198,132 7,299,399 7,166,480
Portefeuille-titres commercial 165,977 153,954 58,284
Portefeuille d'investissement 2,626,966 2,258,300 2,012,528
Titres mis en équivalence 125,965 245,638 226,706
Valeurs immobilisées1 617,619 473,091 444,111
Autres actifs 324,419 258,517 236,300
Total actifs 13,323,747 11,780,776 10,953,354
Banque Centrale et CCP2 712,024 780,519 356,828
Dépôts et avoirs des établissements bancaires et financiers 1,084,132 473,999 400,107
Dépôts et avoirs de la clientèle 8,446,683 7,795,696 7,436,597
Emprunts et Ressources spéciales 713,633 703,368 866,739
Autres passifs 468,567 318,703 323,772
Total passifs 11,425,039 10,072,285 9,384,043
Intérêts minoritaires 63,345 4,750 4,708
Capital 174,600 174,600 151,320
Réserves3 1,395,500 1,285,179 1,196,313
Autres capitaux propres 423 416 423
Résultats reportés 4 1 1
Résultat de l'exercice4 264,836 243,545 216,546
Total capitaux propres 1,835,363 1,703,741 1,564,603
Total capitaux propres, passifs et intérêts minoritaires 13,323,747 11,780,776 10,953,354
Notes and alternative reported figures (4)
  1. “Valeurs immobilisées” is an issuer-specific line, not mapped to a shared definition: Note 1-6: tangible and intangible fixed assets, net.
  2. “Banque Centrale et CCP” is an issuer-specific line, not mapped to a shared definition: Note 2-1: amounts due to the central bank and postal accounts.
  3. “Réserves” is an issuer-specific line, not mapped to a shared definition: Group reserves.
  4. “Résultat de l'exercice” is an issuer-specific line, not mapped to a shared definition: The year's group result shown within equity.

Cash flow

Cash flow, TND thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Audited financial statementscomparative in FY2024 filingsource limitations
Produits d'exploitation bancaire encaissés (hors revenus portefeuille12 1,097,926 1,001,632 957,217
Charges d'exploitation bancaire décaissées3 (662,001) (638,648) (584,601)
Dépôts / Retraits des dépôts auprès des établissements bancaires et45 110,726 (74,896) (58,285)
Prêts et avances / Remboursement des prêts et avances accordés à la67 (437,337) (165,645) (355,244)
Dépôts / Retraits des dépôts de la clientèle8 642,880 363,494 677,409
Titres de placement9 5,437 (91,856) 45,001
Sommes versées au personnel et créditeurs divers10 (205,982) (225,045) (153,154)
Autres flux de trésorerie provenant des activités d'exploitation11 (83,171) (81,196) (29,793)
Impôts sur les bénéfices (36,736) (24,532) (28,036)
Flux de trésorerie net provenant des activités d'exploitation 431,742 63,308 470,514
Intérêts et dividendes encaissés sur portefeuille d'investissement12 242,381 148,943 191,059
Acquisitions / Cessions sur portefeuille d'investissement13 (406,720) (217,773) (161,385)
Acquisitions / Cessions d'immobilisations14 (50,948) (30,399) (53,310)
Flux de trésorerie net affectés aux activités d'investissement (215,287) (99,229) (23,636)
Emission d'emprunts 160,000 –15 145,000
Remboursement d'emprunts (98,355) (115,489) (25,416)
Augmentation / diminution ressources spéciales16 (51,379) (47,882) (80,131)
Dividendes versés17 (111,408) (86,386) (45,450)
Mouvements sur fonds social et de retraite18 (60) (1,762) (564)
Flux de trésorerie net affectés aux activités de financement (101,202) (251,519) (6,561)
Incidence de la variation des taux de change sur les liquidités et équivalents19 (8,553) 932 (828)
Incidence des reclassements et de la variation du périmètre de consolidation20 115,798 –21 Not reported in this filing22
Variation nette des liquidités et équivalents de liquidités au cours de la2324 222,500 (286,508) 439,489
Liquidités et équivalents de liquidités début de période (362,079) (75,571) (515,478)
Liquidités et équivalents de liquidités fin de période (139,581) (362,079) (75,571)
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.native.co_4k7786pjgq73.net_change_incl_fx_scope.
Notes and alternative reported figures (22)
  1. “Produits d'exploitation bancaire encaissés (hors revenus portefeuille” is an issuer-specific line, not mapped to a shared definition: Operating.
  2. Printed under different labels across filings: “Produits d'exploitation bancaire encaissés (hors revenus portefeuille”; “Produits d'exploitation bancaire encaissés (hors revenus portefeuille d'investissement)”.
  3. “Charges d'exploitation bancaire décaissées” is an issuer-specific line, not mapped to a shared definition: Operating.
  4. “Dépôts / Retraits des dépôts auprès des établissements bancaires et” is an issuer-specific line, not mapped to a shared definition: Operating.
  5. Printed under different labels across filings: “Dépôts / Retraits des dépôts auprès des établissements bancaires et”; “Dépôts / Retraits des dépôts auprès des établissements bancaires et financiers”.
  6. “Prêts et avances / Remboursement des prêts et avances accordés à la” is an issuer-specific line, not mapped to a shared definition: Operating.
  7. Printed under different labels across filings: “Prêts et avances / Remboursement des prêts et avances accordés à la”; “Prêts et avances / Remboursement des prêts et avances accordés à la clientèle”.
  8. “Dépôts / Retraits des dépôts de la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
  9. “Titres de placement” is an issuer-specific line, not mapped to a shared definition: Operating.
  10. “Sommes versées au personnel et créditeurs divers” is an issuer-specific line, not mapped to a shared definition: Operating.
  11. “Autres flux de trésorerie provenant des activités d'exploitation” is an issuer-specific line, not mapped to a shared definition: Operating.
  12. “Intérêts et dividendes encaissés sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Investing.
  13. “Acquisitions / Cessions sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  14. “Acquisitions / Cessions d'immobilisations” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  15. “Augmentation / diminution ressources spéciales” is an issuer-specific line, not mapped to a shared definition: Financing (net).
  16. “Dividendes versés”: mapping to a shared definition is uncertain. Consolidated 'Dividendes versés': the statement does not separate dividends paid to minority shareholders of subsidiaries.
  17. “Mouvements sur fonds social et de retraite” is an issuer-specific line, not mapped to a shared definition: Financing.
  18. Printed under different labels across filings: “Incidence de la variation des taux de change sur les liquidités et équivalents”; “Incidence de la variation des taux de change sur les liquidités et équivalents de liquidités”.
  19. “Incidence des reclassements et de la variation du périmètre de consolidation” is an issuer-specific line, not mapped to a shared definition: Effect of reclassifications and of the change in the consolidation scope on cash.
  20. Not reported in this filing: Not printed: the consolidated statement of cash flows (p5) has no line for the effect of scope changes on cash for 2023 (nor 2024) (checked on the page image).
  21. “Variation nette des liquidités et équivalents de liquidités au cours de la” is an issuer-specific line, not mapped to a shared definition: The issuer's net change in cash includes the effect of exchange-rate changes and of the change in consolidation scope.
  22. Printed under different labels across filings: “Variation nette des liquidités et équivalents de liquidités au cours de la”; “Variation nette des liquidités et équivalents de liquidités au cours de la période”.

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Audited financial statementscomparative in FY2024 filingsource limitations
Earnings / (loss) per share (per share)1 7.584 6.974 7.155
Profit / (loss) attributable to shareholders (TND thousands)2 264,836 243,545 216,546
Notes and alternative reported figures (2)
  1. Earnings / (loss) per share: printed as “Résultat de base par action (en dinars)”.
  2. Profit / (loss) attributable to shareholders: printed as “Résultat net part du groupe”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividendes versés (111,408) TND thousands Annual report, p140
31 Dec 2024 Dividends paid (cash flow statement) Dividendes versés (86,386) TND thousands Annual report, p140
31 Dec 2023 Dividends paid (cash flow statement) Dividendes versés (45,450) TND thousands Audited financial statements, p5

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • AMEN BANK — Rapport annuel 2025 (Assemblée Générale Ordinaire du 30 avril 2026)

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: La Générale d'Audit et Conseil (Chiheb Ghanmi) and ECC Mazars (Borhen Chebbi), commissaires aux comptes, unmodified opinion · signed

    Auditor's sign-off: La Générale d'Audit et Conseil, Chiheb Ghanmi (associé); ECC Mazars, Borhen Chebbi

    Final status: The commissaires aux comptes' report on the consolidated statements (PDF pp132-136) gives an unmodified opinion and closes 'Tunis, le 02 avril 2026' with handwritten signatures and stamps for La Générale d'Audit et Conseil (Chiheb Ghanmi, associé) and ECC Mazars (Borhen Chebbi) (PDF p136, page image). The consolidated notes state the statements were authorised for publication by the conseil de surveillance on 27/03/2026 (PDF p172, text; no signature printed with the statements).

    Document date
    2 Apr 2026
    Auditor's report
    2 Apr 2026
    Board approval
    27 Mar 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · TND thousands (printed “Unité en millier de Dinars Tunisiens”)
    • Statement of cash flows 2025 (PDF p140, checked on the page image): the printed net change in cash (222 500) is 2 more than the sum of its printed components (operating 431 742, investing (215 287), financing (101 202), exchange effect (8 553), scope effect 115 798 = 222 498) and than closing less opening cash ((139 581) less (362 079) = 222 498). Kept as printed.
    • No profit-before-tax line is printed (recorded as not reported): income tax is deducted before 'Résultat des activités ordinaires', and extraordinary items follow it. Minority interests are presented between liabilities and equity; 'Total capitaux propres' is the group share (no total equity including minorities is printed).
    • Earnings per share is printed in dinars with a decimal comma (7,584; 2024: 6,974; diluted identical).
    Technical details
    File
    184 pages, with a text layer
    SHA-256
    2a770789d24cfa680a930778872fb0037c237c79be0e14235de03d46f10bc583
    Entity as printed
    Groupe AMEN BANK (états financiers consolidés)
    Regulator copy
    retrieved 2026-10-08T19:22:51Z

  • AMEN BANK — Etats financiers consolidés arrêtés au 31/12/2024

    Year ended 31 December 2024 · Audited financial statements · final status not established

    Audit: La Générale d'Audit et Conseil (Chiheb Ghanmi) and ECC Mazars (Borhen Chebbi), commissaires aux comptes, unmodified opinion

    Auditor's sign-off: La Générale d'Audit et Conseil, Chiheb Ghanmi (associé); ECC Mazars, Borhen Chebbi (names typeset, unsigned)

    Final status: The commissaires aux comptes' report on the consolidated statements (PDF pp44-50) gives an unmodified opinion (p44) with three observation paragraphs (p47) and closes 'Tunis, le 02 avril 2025, Les commissaires aux comptes, La Générale d'Audit et Conseil, Membre de MGI Worldwide, Chiheb GHANMI, Associé; ECC MAZARS, Borhen CHEBBI' with the names typeset only: no handwritten signature and no stamp (PDF p50, page image): name printed, unsigned. Note 9 states the statements were authorised for publication by the conseil de surveillance on 28/03/2025 (PDF p43, text; no signature printed with the statements).

    Document date
    2 Apr 2025
    Published
    4 Apr 2025
    Auditor's report
    2 Apr 2025
    Board approval
    28 Mar 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2023
    Basis
    consolidated statements · TND thousands (printed “Unité en millier de Dinars Tunisiens”)
    • No profit-before-tax line is printed (recorded as not reported): income tax is deducted before 'Résultat des activités ordinaires', and extraordinary items follow it. Minority interests are presented between liabilities and equity; 'Total capitaux propres' is the group share (no total equity including minorities is printed).
    • Earnings per share is printed in dinars with a decimal comma (6,974; 2023: 7,155; diluted identical).
    Technical details
    File
    50 pages, with a text layer
    SHA-256
    adc8a0462604c309eabf14b1a0835333bd4c965593c3708caa996eea99eea9b0
    Entity as printed
    Groupe AMEN BANK (états financiers consolidés)
    Exchange copy
    retrieved 2026-10-08T18:08:59Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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