Review pending. 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 has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review
Attijari Bank
On this page
Company details
- Legal name
- Attijari Bank
- Listing
- TJARI on the Bourse de Tunis, active · ISIN TN0001600154 (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 · audited financial statements, final status not established · source
Read with these figures
- Audited financial statements not confirmed as final. The published copy is unsigned. The FY2025 figures come from it.
- Auditor's emphasis of matter. Paragraphe d'observation: the auditors draw attention to the note on contingent liabilities describing the case brought by the Conseil de la concurrence against the banking sector over the deferral of instalments during the COVID-19 pandemic; no decision had been notified to the parent at the report date, so the final risk depends on the outcome of the case; opinion not modified on this point (p35)
Full wording and sources
Audited financial statements for 2025: final status not established
The exchange's published notice reproduces the auditors' report on the consolidated statements (opinion PDF p33) dated 'Tunis, le 6 mars 2026', closed with the typeset firm and partner names (ECC MAZARS, Borhen Chebbi; Consulting and Financial Firm, Walid Ben Ayed) and no signature (PDF p38, page image). The notes state that the statements were authorised for publication by the board meeting of 20 February 2026 (PDF p32); they are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire' of 10 April 2026 (PDF p1).
Source: Avis des sociétés — Etats financiers consolidés, Attijari Bank, arrêtés au 31 décembre 2025 (dated 2026-03-06)
Audited financial statements for 2024: final status not established
The exchange's published notice reproduces the auditors' report on the consolidated statements (opinion PDF p33) dated 'Tunis, le 04 mars 2025', closed with the typeset firm and partner names (ECC MAZARS, Borhen CHEBBI; Société DATN, membre de Deloitte Touche Tohmatsu, Jaouhar Ben Zid) and no signature (PDF p38, page image). The notes state that the statements were authorised for publication by the board meeting of 21 February 2025 (PDF p32); they are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire' of 4 April 2025 (PDF p1).
Source: Avis des sociétés — Etats financiers consolidés, Attijari bank, arrêtés au 31 décembre 2024 (dated 2025-03-04)
Auditor's emphasis of matter
Paragraphe d'observation: the auditors draw attention to the note on contingent liabilities describing the case brought by the Conseil de la concurrence against the banking sector over the deferral of instalments during the COVID-19 pandemic; no decision had been notified to the parent at the report date, so the final risk depends on the outcome of the case; opinion not modified on this point (p35)
Source: Avis des sociétés — Etats financiers consolidés, Attijari Bank, arrêtés au 31 décembre 2025 (dated 2026-03-06)
Auditor's emphasis of matter
Autres obligations légales et règlementaires (PDF p38): the auditors report offences committed by an employee of the parent (four complaints filed by the bank with the Tunis public prosecutor in September 2024) and that they revealed these facts to the prosecutor by letter of 3 March 2025.
Source: Avis des sociétés — Etats financiers consolidés, Attijari bank, arrêtés au 31 décembre 2024 (dated 2025-03-04)
Auditor's emphasis of matter
Paragraphes d'observation (PDF p35-p36): (1) note 3.12 'Vérification fiscale': a tax audit notification received by the parent in December 2024 covering 1 January 2019 to 31 December 2022; procedures still in progress, final impact cannot be estimated precisely, provisions judged necessary booked; (2) the note on contingent liabilities describing the case brought by the Conseil de la concurrence against the banking sector over the deferral of instalments during COVID-19, with no decision notified at the report date. 'Notre opinion n'est pas modifiée à l'égard de ces deux points.'
Source: Avis des sociétés — Etats financiers consolidés, Attijari bank, arrêtés au 31 décembre 2024 (dated 2025-03-04)
-
PRODUIT NET BANCAIRE
TND 735 million
735,487 TND thousands · p3
−0.6% vs 2024
Printed 'PRODUIT NET BANCAIRE' (p3), the bank's total operating income.
-
RESULTAT D'EXPLOITATION
TND 342 million
342,057 TND thousands · p3
−4.2% vs 2024
Printed 'RESULTAT D'EXPLOITATION' (p3).
-
RESULTAT NET CONSOLIDE DE LA PERIODE DU GROUPE
TND 235 million
235,336 TND thousands · p3
−1.8% vs 2024
Printed 'RESULTAT NET CONSOLIDE DE LA PERIODE DU GROUPE' (p3).
-
Total assets
TND 14.0 billion
13,991,585 TND thousands · p1
+12.3% vs 2024
Printed 'TOTAL ACTIF' (p1).
-
Dépôts et avoirs de la clientèle *
TND 11.3 billion
11,258,107 TND thousands · p1
+7.8% vs 2024
Printed 'Dépôts et avoirs de la clientèle' (p1).
-
TOTAL CAPITAUX PROPRES
TND 1.23 billion
1,227,633 TND thousands · p2
+3.8% vs 2024
Printed 'TOTAL CAPITAUX PROPRES' (p2), group share; minority interests are printed separately and no total including them is printed.
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 — audited financial statements, final status not established; reported for the year · source
- FY2024 — audited financial statements, final status not established; 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 exchange's published notice reproduces the auditors' report on the consolidated statements (opinion PDF p33) dated 'Tunis, le 04 mars 2025', closed with the typeset firm and partner names (ECC MAZARS, Borhen CHEBBI; Société DATN, membre de Deloitte Touche Tohmatsu, Jaouhar Ben Zid) and no signature (PDF p38, page image). The notes state that the statements were authorised for publication by the board meeting of 21 February 2025 (PDF p32); they are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire' of 4 April 2025 (PDF p1).
- Auditor's emphasis of matter. Autres obligations légales et règlementaires (PDF p38): the auditors report offences committed by an employee of the parent (four complaints filed by the bank with the Tunis public prosecutor in September 2024) and that they revealed these facts to the prosecutor by letter of 3 March 2025.
- Auditor's emphasis of matter. Paragraphes d'observation (PDF p35-p36): (1) note 3.12 'Vérification fiscale': a tax audit notification received by the parent in December 2024 covering 1 January 2019 to 31 December 2022; procedures still in progress, final impact cannot be estimated precisely, provisions judged necessary booked; (2) the note on contingent liabilities describing the case brought by the Conseil de la concurrence against the banking sector over the deferral of instalments during COVID-19, with no decision notified at the report date. 'Notre opinion n'est pas modifiée à l'égard de ces deux points.'
Income statement
| Line (as printed) | FY2025Audited financial statementsreported for the year | FY2024Audited financial statementscomparative in FY2025 filing | FY2023Audited financial statementscomparative in FY2024 filingsource limitations |
|---|---|---|---|
| Intérêts et revenus assimilés | 802,170 | 863,865 | 797,131 |
| Commissions (en produits) | 153,119 | 153,436 | 153,738 |
| Gains sur portefeuille‐titres commercial et opérations | 79,095 | 71,700 | 71,350 |
| Revenus du portefeuille d'investissement1 | 181,654 | 129,174 | 119,581 |
| TOTAL PRODUITS D'EXPLOITATION BANCAIRE23 | 1,216,038 | 1,218,175 | 1,141,800 |
| Intérêts courus et charges assimilées | (464,024) | (458,785) | (433,486) |
| Commissions encourues4 | (16,527) | (19,634) | (16,181) |
| TOTAL CHARGES D'EXPLOITATION BANCAIRE56 | (480,551) | (478,419) | (449,667) |
| PRODUIT NET BANCAIRE | 735,487 | 739,7557 | 692,133 |
| Dotations aux provisions et résultat des corrections de | (26,631) | (44,845) | (7,943) |
| Dotations aux provisions et résultat des corrections de8 | 5,849 | 7,836 | 865 |
| Autres produits d'exploitation | 18,366 | 18,964 | 14,758 |
| Frais de personnel | (277,559) | (259,119) | (228,982) |
| Charges générales d'exploitation | (92,736) | (85,866) | (84,939) |
| Dotations aux amortissements et aux provisions sur9 | (20,718) | (19,783) | (19,501) |
| RESULTAT D'EXPLOITATION | 342,057 | 356,94210 | 366,391 |
| Quote‐part dans les résultats des Sociétés mises en | 7,092 | 6,606 | 5,592 |
| Solde en gain/perte provenant des autres éléments11 | 2,366 | 4,28312 | (29,508) |
| Impôt sur les bénéfices13 | (112,270) | (123,362) | (112,648) |
| RESULTAT DES ACTIVITES ORDINAIRES14 | 239,246 | 244,47015 | 229,827 |
| Part de résultat revenant aux minoritaires16 | (3,912) | (4,758) | (3,991) |
Notes and alternative reported figures (16)
- “Revenus du portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Note 5-4.
- “TOTAL PRODUITS D'EXPLOITATION BANCAIRE” is an issuer-specific line, not mapped to a shared definition: Total banking operating income.
- Printed under different labels across filings: “TOTAL PRODUITS D'EXPLOITATION BANCAIRE”; “TOTAL PRODUITS D’EXPLOITATION BANCAIRE”.
- Printed under different labels across filings: “Commissions encourues”; “Commissions encourues *”.
- “TOTAL CHARGES D'EXPLOITATION BANCAIRE” is an issuer-specific line, not mapped to a shared definition: Total banking operating charges (printed negative).
- Printed under different labels across filings: “TOTAL CHARGES D'EXPLOITATION BANCAIRE”; “TOTAL CHARGES D’EXPLOITATION BANCAIRE”.
- Audited financial statements dated 2025-03-04 prints 739 756 (thousands, p4) for this line and year.
- “Dotations aux provisions et résultat des corrections de” is an issuer-specific line, not mapped to a shared definition: Provisions and value adjustments on the investment portfolio (net write-back in both years).
- “Dotations aux amortissements et aux provisions sur” is an issuer-specific line, not mapped to a shared definition: Depreciation and provisions on fixed assets.
- Audited financial statements dated 2025-03-04 prints 356 943 (thousands, p4) for this line and year.
- “Solde en gain/perte provenant des autres éléments” is an issuer-specific line, not mapped to a shared definition: Other ordinary gains and losses, net.
- Audited financial statements dated 2025-03-04 prints 4 286 (thousands, p4) for this line and year.
- Printed under different labels across filings: “Impôt sur les bénéfices”; “Impôt sur les bénéfices*”.
- “RESULTAT DES ACTIVITES ORDINAIRES”: mapping to a shared definition is uncertain. Printed 'RESULTAT DES ACTIVITES ORDINAIRES' (after income tax, before the minority share). No extraordinary items line and no consolidated net result before minorities are printed; the group result follows as this line less 'Part de résultat revenant aux minoritaires' (239 246 - 3 912 = 235 334 against 235 336 printed, rounding in thousands).
- Audited financial statements dated 2025-03-04 prints 244 473 (thousands, p4) for this line and year.
- “Part de résultat revenant aux minoritaires” is an issuer-specific line, not mapped to a shared definition: Minority interests' share of the consolidated result (printed negative).
Balance sheet
| Line (as printed) | FY2025Audited financial statementsreported for the year | FY2024Audited financial statementscomparative in FY2025 filing | FY2023Audited financial statementscomparative in FY2024 filingsource limitations |
|---|---|---|---|
| Caisse et avoirs auprès de la BCT, CCP et TGT | 1,921,884 | 1,730,727 | 1,542,910 |
| Créances sur les établissements bancaires et financiers1 | 241,536 | 244,740 | 561,945 |
| Créances sur la clientèle * | 7,663,019 | 7,841,8552 | 7,490,768 |
| Portefeuille‐titres commercial | 42,873 | 46,359 | 40,296 |
| Portefeuille d'investissement | 3,207,474 | 1,738,731 | 1,450,319 |
| Titres mis en équivalence | 62,640 | 55,392 | 47,132 |
| Valeurs immobilisées3 | 155,690 | 155,663 | 148,348 |
| Goodwill4 | 120 | 216 | 313 |
| Autres actifs | 693,125 | 642,459 | 626,985 |
| Impôt différé Actif | 3,226 | 3,246 | 3,246 |
| TOTAL ACTIF | 13,991,585 | 12,459,3895 | 11,912,261 |
| Banque Centrale, CCP6 | 541,276 | 0 | 0 |
| Dépôts et avoirs des établissements bancaires et financiers7 | 115,715 | 31,167 | 36,826 |
| Dépôts et avoirs de la clientèle * | 11,258,107 | 10,440,7328 | 9,910,815 |
| Emprunts et ressources spéciales | 332,643 | 298,873 | 335,027 |
| Autres passifs | 480,657 | 472,8229 | 479,204 |
| TOTAL PASSIF | 12,728,398 | 11,243,59410 | 10,761,871 |
| TOTAL INTERETS MINORITAIRES | 35,554 | 32,795 | 30,671 |
| Capital | 250,000 | 210,000 | 210,000 |
| Réserves11 | 634,474 | 572,849 | 501,443 |
| Autres capitaux propres | 3,646 | 3,646 | 3,646 |
| Résultats reportés | 104,177 | 156,789 | 178,734 |
| Résultat de la période12 | 235,336 | 239,715 | 225,896 |
| TOTAL CAPITAUX PROPRES | 1,227,633 | 1,182,999 | 1,119,719 |
| TOTAL PASSIF ET CAPITAUX PROPRES | 13,991,585 | 12,459,3895 | 11,912,261 |
Notes and alternative reported figures (12)
- Printed under different labels across filings: “Créances sur les établissements bancaires et financiers”; “Créances sur les établissements bancaires et financiers *”.
- Audited financial statements dated 2025-03-04 prints 7 816 692 (thousands, p2) for this line and year.
- “Valeurs immobilisées” is an issuer-specific line, not mapped to a shared definition: Note 1-7: tangible and intangible fixed assets, net.
- “Goodwill” is an issuer-specific line, not mapped to a shared definition: Goodwill on consolidation, net.
- Audited financial statements dated 2025-03-04 prints 12 434 225 (thousands, p2) for this line and year.
- “Banque Centrale, CCP” is an issuer-specific line, not mapped to a shared definition: Note 2-1: amounts due to the central bank (BCT loan) and postal accounts.
- Printed under different labels across filings: “Dépôts et avoirs des établissements bancaires et financiers”; “Dépôts et avoirs des établissements bancaires et financiers *”.
- Audited financial statements dated 2025-03-04 prints 10 435 267 (thousands, p2) for this line and year.
- Audited financial statements dated 2025-03-04 prints 453 124 (thousands, p2) for this line and year.
- Audited financial statements dated 2025-03-04 prints 11 218 431 (thousands, p2) for this line and year.
- “Réserves” is an issuer-specific line, not mapped to a shared definition: Group reserves (note 3).
- “Résultat de la période” is an issuer-specific line, not mapped to a shared definition: The group share of the year's result within equity.
Cash flow
| Line (as printed) | FY2025Audited financial statementsreported for the year | FY2024Audited financial statementscomparative in FY2025 filing | FY2023Audited financial statementscomparative in FY2024 filingsource limitations |
|---|---|---|---|
| Produits d'exploitation bancaire encaissés (hors revenus du portefeuille1 | 1,037,920 | 1,125,466 | 1,018,565 |
| Charges d'exploitation bancaire décaissées2 | (473,495) | (476,295) | (466,145) |
| Dépôts / Retraits de dépôts auprès d'autres établissements bancaires et financiers3 | 1,573 | 26,980 | 109,524 |
| Prêts et avances / Remboursement prêts et avances accordés à la clientèle4 | 144,659 | (391,340) | (300,777) |
| Dépôts / Retraits de dépôts de la clientèle5 | 817,375 | 513,927 | 687,396 |
| Titres de placement6 | (1,612) | 1,121 | 616,261 |
| Sommes versées au personnel et créditeurs divers7 | (370,295) | (344,985) | (313,896) |
| Autres flux de trésorerie provenant des activités d'exploitation8 | (18,916) | (20,854) | (516,402) |
| Impôt sur les bénéfices | (111,868) | (126,267) | (116,612) |
| Total Flux de trésorerie nets provenant des activités d'exploitation | 1,025,341 | 307,754 | 717,914 |
| Intérêts et dividendes encaissés sur portefeuille d'investissement9 | 182,723 | 151,203 | 105,557 |
| Acquisitions / cessions sur portefeuille d'investissement10 | (1,463,962) | (302,604) | (324,706) |
| Acquisitions / cessions sur immobilisations11 | (20,745) | (27,098) | (7,153) |
| Total Flux de trésorerie nets affectés aux activités d'investissement | (1,301,983) | (178,500) | (226,302) |
| Emission d'actions12 | 0 | 0 | 49,188 |
| Emission d'emprunts13 | 0 | 0 | 0 |
| Remboursement d'emprunts | (49,639) | (10,628) | (7,024) |
| Augmentation / diminution ressources spéciales14 | 79,113 | (26,487) | (13,174) |
| Dividendes15 | (212,140) | (185,517) | (162,968) |
| Flux sur fonds social16 | 138 | 138 | 146 |
| Total Flux de trésorerie nets affectés aux des activités de financement | (182,528) | (222,494) | (119,784) |
| Variation nette des liquidités et équivalents de liquidités au cours de l'exercice17 | (459,170) | (93,240) | 366,809 |
| Liquidités et équivalents de liquidités en début d'exercice18 | 1,856,949 | 1,950,189 | 1,583,380 |
| Liquidités et équivalents de liquidités en fin d'exercice19 | 1,397,779 | 1,856,949 | 1,950,189 |
Notes and alternative reported figures (19)
- “Produits d'exploitation bancaire encaissés (hors revenus du portefeuille” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Charges d'exploitation bancaire décaissées” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Dépôts / Retraits de dépôts auprès d'autres établissements bancaires et financiers” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Prêts et avances / Remboursement prêts et avances accordés à la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Dépôts / Retraits de dépôts de la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Titres de placement” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Sommes versées au personnel et créditeurs divers” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Autres flux de trésorerie provenant des activités d'exploitation” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Intérêts et dividendes encaissés sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Investing.
- “Acquisitions / cessions sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Investing (net).
- “Acquisitions / cessions sur immobilisations” is an issuer-specific line, not mapped to a shared definition: Investing (net).
- “Emission d'actions” is an issuer-specific line, not mapped to a shared definition: Financing.
- “Emission d'emprunts” is an issuer-specific line, not mapped to a shared definition: Financing.
- “Augmentation / diminution ressources spéciales” is an issuer-specific line, not mapped to a shared definition: Financing (net).
- “Dividendes”: mapping to a shared definition is uncertain. Printed 'Dividendes' in the consolidated cash flows; the face does not say whether dividends paid by subsidiaries to minority shareholders are included.
- “Flux sur fonds social” is an issuer-specific line, not mapped to a shared definition: Financing: social fund flows.
- Printed under different labels across filings: “Variation nette des liquidités et équivalents de liquidités au cours de l'exercice”; “Variation nette des liquidités et équivalents de liquidités au cours de l’exercice”.
- Printed under different labels across filings: “Liquidités et équivalents de liquidités en début d'exercice”; “Liquidités et équivalents de liquidités en début d’exercice”.
- Printed under different labels across filings: “Liquidités et équivalents de liquidités en fin d'exercice”; “Liquidités et équivalents de liquidités en fin d’exercice”.
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.
| Year ended | Event | Wording as printed | Amount | Unit | Source |
|---|---|---|---|---|---|
| 31 Dec 2025 | Dividends paid (cash flow statement) | Dividendes |
(212,140) | TND thousands | Audited financial statements, p4 |
| 31 Dec 2024 | Dividends paid (cash flow statement) | Dividendes |
(185,517) | TND thousands | Audited financial statements, p4 |
| 31 Dec 2023 | Dividends paid (cash flow statement) | Dividendes |
(162,968) | 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.
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Avis des sociétés — Etats financiers consolidés, Attijari Bank, arrêtés au 31 décembre 2025
Year ended 31 December 2025 · Audited financial statements · final status not established
Audit: ECC MAZARS (Borhen Chebbi) and Consulting and Financial Firm (Walid Ben Ayed), commissaires aux comptes, unmodified opinion
Auditor's sign-off: ECC MAZARS, Borhen Chebbi; Consulting and Financial Firm, Walid Ben Ayed (names printed)
Final status: The exchange's published notice reproduces the auditors' report on the consolidated statements (opinion PDF p33) dated 'Tunis, le 6 mars 2026', closed with the typeset firm and partner names (ECC MAZARS, Borhen Chebbi; Consulting and Financial Firm, Walid Ben Ayed) and no signature (PDF p38, page image). The notes state that the statements were authorised for publication by the board meeting of 20 February 2026 (PDF p32); they are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire' of 10 April 2026 (PDF p1).
- Document date
- 6 Mar 2026
- Published
- 25 Mar 2026
- Auditor's report
- 6 Mar 2026
- Board approval
- 20 Feb 2026
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY2025, FY2024
- Basis
- consolidated statements · TND thousands (printed “UNITE : en milliers de Dinars”)
- Paragraphe d'observation (PDF p35): the auditors draw attention to the note on contingent liabilities describing the case brought by the Conseil de la concurrence against the banking sector over the deferral of instalments during COVID-19; no decision had been notified to the parent at the report date; opinion not modified.
- 'Impôt différé Passif' is printed with dashes in both years (p1, a U+2010 hyphen the tool does not read as a dash); not transcribed. 'RESULTAT APRES MODIFICATIONS COMPTABLES DU GROUPE' repeats the group result (235 336; 2024: 239 715) and is not transcribed a second time. Income tax is deducted before 'RESULTAT DES ACTIVITES ORDINAIRES'; no profit before tax is printed.
- 2024 comparatives marked (*) 'Chiffres retraités pour les besoins de la comparabilité' (p1-2): Créances sur la clientèle and Dépôts et avoirs de la clientèle; note 3-14 (PDF p15) also reclassifies amounts into Autres passifs (PA5), recorded as restated too. The before/after amounts in note 3-14 (e.g. clientèle deposits 10 635 556 -> 10 641 020) do not equal the consolidated 2024 amounts on the bilan (10 440 732) and appear to be the bank's individual amounts.
Technical details
- File
- 38 pages, with a text layer
- SHA-256
3eafdc2ee0abf2f2dcd2d4e3ecefd723d9f496740760668367a17d74bc692387- Entity as printed
- Attijari bank (groupe Attijari bank)
- Exchange copy
- retrieved 2026-10-08T18:08:45Z
-
Avis des sociétés — Etats financiers consolidés, Attijari bank, arrêtés au 31 décembre 2024
Year ended 31 December 2024 · Audited financial statements · final status not established
Audit: ECC MAZARS (Borhen Chebbi) and Société DATN, membre de Deloitte Touche Tohmatsu (Jaouhar Ben Zid), commissaires aux comptes, unmodified opinion
Auditor's sign-off: ECC MAZARS, Borhen CHEBBI; Société DATN (Deloitte), Jaouhar Ben Zid (names printed)
Final status: The exchange's published notice reproduces the auditors' report on the consolidated statements (opinion PDF p33) dated 'Tunis, le 04 mars 2025', closed with the typeset firm and partner names (ECC MAZARS, Borhen CHEBBI; Société DATN, membre de Deloitte Touche Tohmatsu, Jaouhar Ben Zid) and no signature (PDF p38, page image). The notes state that the statements were authorised for publication by the board meeting of 21 February 2025 (PDF p32); they are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire' of 4 April 2025 (PDF p1).
- Document date
- 4 Mar 2025
- Auditor's report
- 4 Mar 2025
- Board approval
- 21 Feb 2025
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY2023
- Basis
- consolidated statements · TND thousands (printed “UNITE : en milliers de Dinars”)
- Cash-flow statement 2023 column (p5): the financing lines (49 188; 0; (7 024); (13 174); (162 968); 146) sum to (133 832) against the printed total (119 784), and operating, investing and financing totals (717 914; (226 302); (119 784)) sum to 371 828 against the printed net change 366 809, which agrees with opening and closing cash (1 583 380 to 1 950 189). The 2024 column adds up. Kept as printed (checked on the render).
- In the état de résultat the 2024 'Charges générales d'exploitation' cell (85 866) is printed slightly above its row (p4 render); the word-position re-read places it before the label, and it is read from there. 'RESULTAT APRES MODIFICATIONS COMPTABLES DU GROUPE' repeats the group result (239 715; 2023: 225 896) and is not transcribed a second time. Income tax is deducted before 'RESULTAT DES ACTIVITES ORDINAIRES'; no profit before tax is printed. No 'Impôt différé Passif' line is printed this year.
- The publication states 'Ces états annulent et remplacent ceux publiés au bulletin officiel N°7320 du 11 mars 2025' (p1): this is a replacement publication of the FY2024 consolidated statements.
- 2023 comparatives marked (*) 'Chiffres retraités pour les besoins de la comparabilité (cf note 3.14)' (p2, p4): Créances sur les établissements bancaires et financiers, Créances sur la clientèle, Dépôts et avoirs des établissements bancaires et financiers, Dépôts et avoirs de la clientèle, Commissions encourues, Dotations ... sur portefeuille d'investissement and Impôt sur les bénéfices.
Technical details
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- 38 pages, with a text layer
- SHA-256
be8c6598f63f7705925f6f44aaaaa9087beac6213a860a33ea2ec8ef9b1bee5d- Entity as printed
- Attijari bank (groupe Attijari bank)
- Exchange copy
- retrieved 2026-10-08T18:09:53Z
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