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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

BIAT

BIAT · Bourse de Tunis · Consolidated statements

On this page
Company details
Legal name
Banque Internationale Arabe de Tunisie
Listing
BIAT on the Bourse de Tunis, active · ISIN TN0001800457 (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.
Full wording and sources

  • Audited financial statements for 2025: final status not established

    The exchange's published notice reproduces the commissaires aux comptes' report on the consolidated statements dated 'Tunis, le 07 avril 2026', closed with the auditors' typeset names (MTBF, Mohamed Lassaad BORJI; Cabinet CMC, Chérif Ben ZINA) and no visible signature (PDF p35, page image). The statements are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire qui se tiendra en date du 24 avril 2026' (PDF p1); no board approval date is printed.

    Source: Avis des sociétés — Etats financiers consolidés, Banque Internationale Arabe de Tunisie -BIAT-, arrêtés au 31 décembre 2025 (dated 2026-04-07)

  • Produit Net Bancaire

    TND 1.94 billion

    1,938,590 TND thousands · p4

    +10.8% 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

    Not reported in this filing

  • Total assets

    TND 28.8 billion

    28,795,764 TND thousands · p2

    +9.6% vs 2024

  • Customer deposits

    TND 21.7 billion

    21,723,249 TND thousands · p2

    +8.0% 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 — 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

Income statement

Income statement, TND thousands. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Intérêts et revenus assimilés 1,507,7631 1,498,2942
Commissions (en produits) 302,0113 288,9014
Gains sur portefeuille-titres commercial et opérations financières 319,5705 264,8256
Revenus du portefeuille d'investissement7 532,8648 365,5379
Primes d'assurance émises10 261,168 219,489
Total des produits d'exploitation bancaire11 2,923,37612 2,637,04613
Intérêts encourus et charges assimilées (865,868)14 (792,827)15
Commissions encourues (3,973)16 (5,112)17
Pertes sur portefeuille-titres commercial et opérations financières18 (383) (279)
Sinistres payés sur opérations d'assurances19 (114,562) (88,542)
Total des charges d'exploitation bancaire20 (984,786)21 (886,760)22
Produit Net Bancaire 1,938,59023 1,750,28624
Dotations aux provisions et résultat des corrections de valeurs sur créances, (384,957)25 (277,213)26
Dotations aux provisions et résultat des corrections de valeurs sur portefeuille27 (12,065)28 (24,464)29
Autres produits d'exploitation 120,56230 104,41731
Frais de personnel (480,639)32 (406,278)33
Charges générales d'exploitation (308,734)34 (307,352)35
Dotations aux amortissements et aux provisions sur immobilisations36 (59,959)37 (62,459)38
Résultat d'exploitation 812,79839 776,93740
Quote-part dans les résultats des Sociétés mises en équivalence (352) (84)
Solde en gain/perte provenant des autres éléments ordinaires41 (1,299)42 (2,318)43
Impôt sur les bénéfices (258,083)44 (329,156)45
Résultat des activités ordinaires46 553,06447 445,37948
Part de résultat revenant aux minoritaires49 (83,110) (65,986)
Résultat des activités ordinaires du groupe50 469,954 379,393
Solde en gain/perte provenant des autres éléments extraordinaires51 (2,806) 13
Effet des modifications comptables nettes d'impôt différé52 –53 –53
Résultat net de l'exercice après modifications comptables54 467,148 379,406
  1. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_caazq1f6wwzf.result_after_accounting_changes.
Notes and alternative reported figures (53)
  1. Audited financial statements dated 2026-04-07 prints 1 501 614 (thousands, p4) for this line and year.
  2. Audited financial statements dated 2026-04-07 prints 1 501 115 (thousands, p4) for this line and year.
  3. Audited financial statements dated 2026-04-07 prints 289 970 (thousands, p4) for this line and year.
  4. Audited financial statements dated 2026-04-07 prints 280 684 (thousands, p4) for this line and year.
  5. Audited financial statements dated 2026-04-07 prints 205 832 (thousands, p4) for this line and year.
  6. Audited financial statements dated 2026-04-07 prints 170 060 (thousands, p4) for this line and year.
  7. “Revenus du portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Note VIII-1-4.
  8. Audited financial statements dated 2026-04-07 prints 535 613 (thousands, p4) for this line and year.
  9. Audited financial statements dated 2026-04-07 prints 374 764 (thousands, p4) for this line and year.
  10. “Primes d'assurance émises” is an issuer-specific line, not mapped to a shared definition: Note VIII-1-5: insurance premiums written by the group's insurance subsidiary, within banking operating income.
  11. “Total des produits d'exploitation bancaire” is an issuer-specific line, not mapped to a shared definition: Total banking operating income.
  12. Audited financial statements dated 2026-04-07 prints 2 533 029 (thousands, p4) for this line and year.
  13. Audited financial statements dated 2026-04-07 prints 2 326 623 (thousands, p4) for this line and year.
  14. Audited financial statements dated 2026-04-07 prints (935 258) (thousands, p4) for this line and year.
  15. Audited financial statements dated 2026-04-07 prints (843 062) (thousands, p4) for this line and year.
  16. Audited financial statements dated 2026-04-07 prints (2 972) (thousands, p4) for this line and year.
  17. Audited financial statements dated 2026-04-07 prints (3 847) (thousands, p4) for this line and year.
  18. “Pertes sur portefeuille-titres commercial et opérations financières” is an issuer-specific line, not mapped to a shared definition: Within banking operating charges.
  19. “Sinistres payés sur opérations d'assurances” is an issuer-specific line, not mapped to a shared definition: Note VIII-2-3: insurance claims paid, within banking operating charges.
  20. “Total des charges d'exploitation bancaire” is an issuer-specific line, not mapped to a shared definition: Total banking operating charges (negative).
  21. Audited financial statements dated 2026-04-07 prints (938 230) (thousands, p4) for this line and year.
  22. Audited financial statements dated 2026-04-07 prints (846 909) (thousands, p4) for this line and year.
  23. Audited financial statements dated 2026-04-07 prints 1 594 799 (thousands, p4) for this line and year.
  24. Audited financial statements dated 2026-04-07 prints 1 479 714 (thousands, p4) for this line and year.
  25. Audited financial statements dated 2026-04-07 prints (210 503) (thousands, p4) for this line and year.
  26. Audited financial statements dated 2026-04-07 prints (129 337) (thousands, p4) for this line and year.
  27. “Dotations aux provisions et résultat des corrections de valeurs sur portefeuille” is an issuer-specific line, not mapped to a shared definition: Note VIII-4.
  28. Audited financial statements dated 2026-04-07 prints (25 421) (thousands, p4) for this line and year.
  29. Audited financial statements dated 2026-04-07 prints (28 975) (thousands, p4) for this line and year.
  30. Audited financial statements dated 2026-04-07 prints 12 540 (thousands, p4) for this line and year.
  31. Audited financial statements dated 2026-04-07 prints 12 773 (thousands, p4) for this line and year.
  32. Audited financial statements dated 2026-04-07 prints (400 998) (thousands, p4) for this line and year.
  33. Audited financial statements dated 2026-04-07 prints (358 106) (thousands, p4) for this line and year.
  34. Audited financial statements dated 2026-04-07 prints (259 598) (thousands, p4) for this line and year.
  35. Audited financial statements dated 2026-04-07 prints (258 279) (thousands, p4) for this line and year.
  36. “Dotations aux amortissements et aux provisions sur immobilisations” is an issuer-specific line, not mapped to a shared definition: Note VIII-8.
  37. Audited financial statements dated 2026-04-07 prints (50 506) (thousands, p4) for this line and year.
  38. Audited financial statements dated 2026-04-07 prints (48 174) (thousands, p4) for this line and year.
  39. Audited financial statements dated 2026-04-07 prints 660 313 (thousands, p4) for this line and year.
  40. Audited financial statements dated 2026-04-07 prints 669 616 (thousands, p4) for this line and year.
  41. “Solde en gain/perte provenant des autres éléments ordinaires” is an issuer-specific line, not mapped to a shared definition: Note VIII-9.
  42. Audited financial statements dated 2026-04-07 prints (1 332) (thousands, p4) for this line and year.
  43. Audited financial statements dated 2026-04-07 prints (2 716) (thousands, p4) for this line and year.
  44. Audited financial statements dated 2026-04-07 prints (273 717) (thousands, p4) for this line and year.
  45. Audited financial statements dated 2026-04-07 prints (309 146) (thousands, p4) for this line and year.
  46. “Résultat des activités ordinaires” is an issuer-specific line, not mapped to a shared definition: Result after income tax, before the minorities' share and extraordinary items.
  47. Audited financial statements dated 2026-04-07 prints 385 264 (thousands, p4) for this line and year.
  48. Audited financial statements dated 2026-04-07 prints 357 754 (thousands, p4) for this line and year.
  49. “Part de résultat revenant aux minoritaires” is an issuer-specific line, not mapped to a shared definition: Minority interests' share of the result (printed negative).
  50. “Résultat des activités ordinaires du groupe” is an issuer-specific line, not mapped to a shared definition: Group share of the result from ordinary activities.
  51. “Solde en gain/perte provenant des autres éléments extraordinaires” is an issuer-specific line, not mapped to a shared definition: Note VIII-11.
  52. “Effet des modifications comptables nettes d'impôt différé” is an issuer-specific line, not mapped to a shared definition: Effect of accounting changes, net of deferred tax (nil both years).
  53. “Résultat net de l'exercice après modifications comptables” is an issuer-specific line, not mapped to a shared definition: Group net result after the effect of accounting changes.

Balance sheet

Balance sheet, TND thousands. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Caisse et avoirs auprès de la BCT, CCP et TGT 387,1381 467,4792
Créances sur les établissements bancaires et financiers 5,000,2053 4,678,0324
Créances sur la clientèle 13,068,0325 12,785,8746
Portefeuille-titres commercial 2,044,0767 1,353,6378
Portefeuille d'investissement 6,484,5749 5,417,84510
Titres mis en équivalence 9,875 10,074
Valeurs immobilisées11 877,32912 767,09613
Ecart d'acquisition net (Goodwill)14 39,444 42,402
Autres actifs 885,09115 755,75516
Total des actifs 28,795,76417 26,278,19418
Banque Centrale et CCP19 550 594
Dépôts et avoirs des établissements bancaires et financiers 306,90120 458,28221
Dépôts et avoirs de la clientèle 21,723,24922 20,113,75323
Emprunts et ressources spéciales 622,16224 499,90625
Autres passifs 1,834,55126 1,704,23427
Total des passifs 24,487,41328 22,776,76929
Part des minoritaires dans les réserves consolidés30 1,651,719 1,121,163
Part des minoritaires dans le résultat consolidé31 83,110 65,986
Total des intérêts minoritaires 1,734,829 1,187,149
Capital 204,000 204,000
Réserves consolidées32 1,902,372 1,730,867
Autres capitaux propres 233 3
Résultat consolidé de l'exercice34 467,14835 379,40636
Total des capitaux propres 2,573,522 2,314,276
Total des passifs et des capitaux propres 28,795,76417 26,278,19418
Notes and alternative reported figures (36)
  1. Audited financial statements dated 2026-04-07 prints 386 038 (thousands, p2) for this line and year.
  2. Audited financial statements dated 2026-04-07 prints 466 477 (thousands, p2) for this line and year.
  3. Audited financial statements dated 2026-04-07 prints 4 978 550 (thousands, p2) for this line and year.
  4. Audited financial statements dated 2026-04-07 prints 4 640 155 (thousands, p2) for this line and year.
  5. Audited financial statements dated 2026-04-07 prints 13 045 363 (thousands, p2) for this line and year.
  6. Audited financial statements dated 2026-04-07 prints 12 806 868 (thousands, p2) for this line and year.
  7. Audited financial statements dated 2026-04-07 prints 4 304 (thousands, p2) for this line and year.
  8. Audited financial statements dated 2026-04-07 prints 18 254 (thousands, p2) for this line and year.
  9. Audited financial statements dated 2026-04-07 prints 7 080 071 (thousands, p2) for this line and year.
  10. Audited financial statements dated 2026-04-07 prints 6 118 411 (thousands, p2) for this line and year.
  11. “Valeurs immobilisées” is an issuer-specific line, not mapped to a shared definition: Note IV-7: tangible and intangible fixed assets, net.
  12. Audited financial statements dated 2026-04-07 prints 486 384 (thousands, p2) for this line and year.
  13. Audited financial statements dated 2026-04-07 prints 397 449 (thousands, p2) for this line and year.
  14. “Ecart d'acquisition net (Goodwill)” is an issuer-specific line, not mapped to a shared definition: Note IV-8: net goodwill on consolidation.
  15. Audited financial statements dated 2026-04-07 prints 626 278 (thousands, p2) for this line and year.
  16. Audited financial statements dated 2026-04-07 prints 548 611 (thousands, p2) for this line and year.
  17. Audited financial statements dated 2026-04-07 prints 26 606 988 (thousands, p2) for this line and year.
  18. Audited financial statements dated 2026-04-07 prints 24 996 225 (thousands, p2) for this line and year.
  19. “Banque Centrale et CCP” is an issuer-specific line, not mapped to a shared definition: Note V-1: amounts due to the central bank and postal accounts.
  20. Audited financial statements dated 2026-04-07 prints 269 137 (thousands, p2) for this line and year.
  21. Audited financial statements dated 2026-04-07 prints 406 106 (thousands, p2) for this line and year.
  22. Audited financial statements dated 2026-04-07 prints 22 291 018 (thousands, p2) for this line and year.
  23. Audited financial statements dated 2026-04-07 prints 20 814 073 (thousands, p2) for this line and year.
  24. Audited financial statements dated 2026-04-07 prints 958 086 (thousands, p2) for this line and year.
  25. Audited financial statements dated 2026-04-07 prints 798 630 (thousands, p2) for this line and year.
  26. Audited financial statements dated 2026-04-07 prints 720 379 (thousands, p2) for this line and year.
  27. Audited financial statements dated 2026-04-07 prints 750 431 (thousands, p2) for this line and year.
  28. Audited financial statements dated 2026-04-07 prints 24 239 170 (thousands, p2) for this line and year.
  29. Audited financial statements dated 2026-04-07 prints 22 769 834 (thousands, p2) for this line and year.
  30. “Part des minoritaires dans les réserves consolidés” is an issuer-specific line, not mapped to a shared definition: Note VI: minority interests in consolidated reserves.
  31. “Part des minoritaires dans le résultat consolidé” is an issuer-specific line, not mapped to a shared definition: Note VI: minority interests in the year's consolidated result.
  32. “Réserves consolidées” is an issuer-specific line, not mapped to a shared definition: Group consolidated reserves.
  33. Audited financial statements dated 2026-04-07 prints 3 (thousands, p2) for this line and year.
  34. “Résultat consolidé de l'exercice” is an issuer-specific line, not mapped to a shared definition: The year's group result shown within equity.
  35. Audited financial statements dated 2026-04-07 prints 385 264 (thousands, p2) for this line and year.
  36. Audited financial statements dated 2026-04-07 prints 357 754 (thousands, p2) for this line and year.

Cash flow

Cash flow, TND thousands. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Produits d’exploitation bancaire encaissés (hors revenu du portefeuille d’investissement)1 2,530,3512 2,388,6293
Charges d’exploitation bancaire décaissées4 (1,163,101)5 (1,018,891)6
Dépôts / Retraits dépôts auprès d’autres établissements bancaires et financiers7 223,3248 (247,569)9
Prêts et avances / Remboursement prêts et avances accordés à la clientèle10 (485,054)11 (553,806)12
Dépôts / Retraits dépôts auprès de la clientèle13 1,551,37114 2,037,81615
Titres de placement / Titres de transaction16 (16,223) (92,675)
Sommes versées au personnel et créditeurs divers17 (763,153)18 (705,012)19
Autres flux de trésorerie provenant des activités d’exploitation20 157,63721 141,10122
Impôts sur les sociétés (390,404)23 (334,287)24
Flux de trésorerie provenant des activités d’exploitation 1,644,74825 1,615,30626
Intérêts et dividendes encaissés sur portefeuille d’investissement27 474,68828 281,65529
Acquisitions / cessions sur portefeuille d’investissement30 (1,049,523)31 (1,495,354)32
Acquisitions / cessions sur immobilisations33 (151,323)34 (129,307)35
Flux de trésorerie net affectés aux activités d’investissement (726,158)36 (1,343,006)37
Emission d'actions38 –39 –39
Emission / Remboursement d’emprunts40 76,37441 (105,798)42
Augmentation / diminution ressources spéciales43 503 904
Dividendes versés et autres distributions44 (257,250) (229,407)
Autres flux de financement45 497,241 269,179
Flux de trésorerie net liés aux activités de financement 316,86846 (65,122)47
Effet du reclassement du portefeuille BTA sur les liquidités et équivalents de liquidités48 (6,896) (1,362)
Effet de la variation du périmètre de consolidation49 –50 –50
Incidence des variations des taux de change sur les liquidités et équivalents de liquidités 35,83451 4,05352
Variation nette des liquidités et équivalents de liquidités au cours de l’exercice53 1,264,39654 209,86955
Liquidités et équivalents de liquidités en début d’exercice 3,458,65656 3,248,78757
Liquidités et équivalents de liquidités en fin d’exercice 4,723,05258 3,458,65656
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.native.co_caazq1f6wwzf.net_change_incl_fx.
Notes and alternative reported figures (56)
  1. “Produits d’exploitation bancaire encaissés (hors revenu du portefeuille d’investissement)” is an issuer-specific line, not mapped to a shared definition: Operating.
  2. Audited financial statements dated 2026-04-07 prints 2 039 254 (thousands, p5) for this line and year.
  3. Audited financial statements dated 2026-04-07 prints 1 979 128 (thousands, p5) for this line and year.
  4. “Charges d’exploitation bancaire décaissées” is an issuer-specific line, not mapped to a shared definition: Operating.
  5. Audited financial statements dated 2026-04-07 prints (913 937) (thousands, p5) for this line and year.
  6. Audited financial statements dated 2026-04-07 prints (810 414) (thousands, p5) for this line and year.
  7. “Dépôts / Retraits dépôts auprès d’autres établissements bancaires et financiers” is an issuer-specific line, not mapped to a shared definition: Operating.
  8. Audited financial statements dated 2026-04-07 prints 224 261 (thousands, p5) for this line and year.
  9. Audited financial statements dated 2026-04-07 prints (193 893) (thousands, p5) for this line and year.
  10. “Prêts et avances / Remboursement prêts et avances accordés à la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
  11. Audited financial statements dated 2026-04-07 prints (475 157) (thousands, p5) for this line and year.
  12. Audited financial statements dated 2026-04-07 prints (511 278) (thousands, p5) for this line and year.
  13. “Dépôts / Retraits dépôts auprès de la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
  14. Audited financial statements dated 2026-04-07 prints 1 418 702 (thousands, p5) for this line and year.
  15. Audited financial statements dated 2026-04-07 prints 2 004 729 (thousands, p5) for this line and year.
  16. “Titres de placement / Titres de transaction” is an issuer-specific line, not mapped to a shared definition: Operating.
  17. “Sommes versées au personnel et créditeurs divers” is an issuer-specific line, not mapped to a shared definition: Operating.
  18. Audited financial statements dated 2026-04-07 prints (626 081) (thousands, p5) for this line and year.
  19. Audited financial statements dated 2026-04-07 prints (612 285) (thousands, p5) for this line and year.
  20. “Autres flux de trésorerie provenant des activités d’exploitation” is an issuer-specific line, not mapped to a shared definition: Operating.
  21. Audited financial statements dated 2026-04-07 prints 45 131 (thousands, p5) for this line and year.
  22. Audited financial statements dated 2026-04-07 prints 60 047 (thousands, p5) for this line and year.
  23. Audited financial statements dated 2026-04-07 prints (353 756) (thousands, p5) for this line and year.
  24. Audited financial statements dated 2026-04-07 prints (300 079) (thousands, p5) for this line and year.
  25. Audited financial statements dated 2026-04-07 prints 1 358 417 (thousands, p5) for this line and year.
  26. Audited financial statements dated 2026-04-07 prints 1 615 955 (thousands, p5) for this line and year.
  27. “Intérêts et dividendes encaissés sur portefeuille d’investissement” is an issuer-specific line, not mapped to a shared definition: Investing.
  28. Audited financial statements dated 2026-04-07 prints 477 437 (thousands, p5) for this line and year.
  29. Audited financial statements dated 2026-04-07 prints 293 639 (thousands, p5) for this line and year.
  30. “Acquisitions / cessions sur portefeuille d’investissement” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  31. Audited financial statements dated 2026-04-07 prints (928 904) (thousands, p5) for this line and year.
  32. Audited financial statements dated 2026-04-07 prints (1 416 792) (thousands, p5) for this line and year.
  33. “Acquisitions / cessions sur immobilisations” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  34. Audited financial statements dated 2026-04-07 prints (146 576) (thousands, p5) for this line and year.
  35. Audited financial statements dated 2026-04-07 prints (113 181) (thousands, p5) for this line and year.
  36. Audited financial statements dated 2026-04-07 prints (598 043) (thousands, p5) for this line and year.
  37. Audited financial statements dated 2026-04-07 prints (1 236 334) (thousands, p5) for this line and year.
  38. “Emission d'actions” is an issuer-specific line, not mapped to a shared definition: Financing (nil both years).
  39. “Emission / Remboursement d’emprunts” is an issuer-specific line, not mapped to a shared definition: Financing (net).
  40. Audited financial statements dated 2026-04-07 prints 80 486 (thousands, p5) for this line and year.
  41. Audited financial statements dated 2026-04-07 prints (137 924) (thousands, p5) for this line and year.
  42. “Augmentation / diminution ressources spéciales” is an issuer-specific line, not mapped to a shared definition: Financing (net).
  43. “Dividendes versés et autres distributions” is an issuer-specific line, not mapped to a shared definition: Financing: dividends paid and other distributions (not split between group and minorities).
  44. “Autres flux de financement” is an issuer-specific line, not mapped to a shared definition: Financing.
  45. Audited financial statements dated 2026-04-07 prints (163 811) (thousands, p5) for this line and year.
  46. Audited financial statements dated 2026-04-07 prints (351 220) (thousands, p5) for this line and year.
  47. “Effet du reclassement du portefeuille BTA sur les liquidités et équivalents de liquidités” is an issuer-specific line, not mapped to a shared definition: Effect on cash of reclassifying the treasury-bond (BTA) portfolio.
  48. “Effet de la variation du périmètre de consolidation” is an issuer-specific line, not mapped to a shared definition: Effect of changes in the consolidation scope (nil both years).
  49. Audited financial statements dated 2026-04-07 prints 35 799 (thousands, p5) for this line and year.
  50. Audited financial statements dated 2026-04-07 prints 4 088 (thousands, p5) for this line and year.
  51. “Variation nette des liquidités et équivalents de liquidités au cours de l’exercice” is an issuer-specific line, not mapped to a shared definition: The issuer's net change in cash includes the BTA reclassification, scope and exchange-rate effects.
  52. Audited financial statements dated 2026-04-07 prints 632 362 (thousands, p5) for this line and year.
  53. Audited financial statements dated 2026-04-07 prints 32 489 (thousands, p5) for this line and year.
  54. Audited financial statements dated 2026-04-07 prints 2 675 703 (thousands, p5) for this line and year.
  55. Audited financial statements dated 2026-04-07 prints 2 643 214 (thousands, p5) for this line and year.
  56. Audited financial statements dated 2026-04-07 prints 3 308 065 (thousands, p5) for this line and year.

Per share and shares

Per share and shares. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Profit / (loss) attributable to shareholders (TND thousands)1 467,148 379,406
Notes and alternative reported figures (1)
  1. Profit / (loss) attributable to shareholders: printed as “Résultat net consolidé de l'exercice 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.

No dividend statement or amount collected.

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.

  • Avis des sociétés — Etats financiers consolidés, Banque Internationale Arabe de Tunisie -BIAT-, arrêtés au 31 décembre 2025

    Year ended 31 December 2025 · Audited financial statements · final status not established

    Audit: MTBF (Mohamed Lassaad Borji) and Cabinet CMC (Chérif Ben Zina), commissaires aux comptes, unmodified opinion

    Auditor's sign-off: MTBF, Mohamed Lassaad BORJI; Cabinet CMC, Chérif Ben ZINA (names printed)

    Final status: The exchange's published notice reproduces the commissaires aux comptes' report on the consolidated statements dated 'Tunis, le 07 avril 2026', closed with the auditors' typeset names (MTBF, Mohamed Lassaad BORJI; Cabinet CMC, Chérif Ben ZINA) and no visible signature (PDF p35, page image). The statements are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire qui se tiendra en date du 24 avril 2026' (PDF p1); no board approval date is printed.

    Document date
    7 Apr 2026
    Published
    14 Apr 2026
    Auditor's report
    7 Apr 2026
    Board approval
    date not found in this document
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · TND thousands (printed “En milliers de dinars”)
    • No profit-before-tax line is printed; income tax is deducted before 'Résultat des activités ordinaires' (553 064). The minorities' share (83 110) is then deducted, and the printed net result 'Résultat net consolidé de l'exercice du groupe' (467 148) is the group share only; the result of the whole consolidated group is not printed as a line (p4).
    • The consolidated income statement includes insurance premiums written (VIII-1-5) and insurance claims paid (VIII-2-3) within banking operating income and charges (p4).
    • The off-balance-sheet commitments statement (p3) is not transcribed.
    Technical details
    File
    35 pages, with a text layer
    SHA-256
    aad3dde0158e61830b10a1b3ea9f656ab2d6e38903b8b64cf5764f1535279b9f
    Entity as printed
    Banque Internationale Arabe de Tunisie -BIAT- (groupe BIAT)
    Exchange copy
    retrieved 2026-10-08T18:04:22Z

  • Avis des sociétés — Etats financiers, Banque Internationale Arabe de Tunisie (BIAT), arrêtés au 31 décembre 2025

    Year ended 31 December 2025 · Audited financial statements · final status not established

    Audit: MTBF (Mohamed Lassaad Borji) and Cabinet CMC (Chérif Ben Zina), commissaires aux comptes, unmodified opinion

    Auditor's sign-off: MTBF, Mohamed Lassaad Borji; Cabinet CMC, Chérif Ben Zina (names printed)

    Final status: The exchange's published notice reproduces the rapport général dated 'Tunis, le 07 avril 2026', closed with the auditors' printed names (MTBF, Mohamed Lassaad Borji; Cabinet CMC, Chérif Ben Zina) and no signature (PDF p63, page image). The statements are published 'tels qu'ils seront soumis à l'approbation de l'assemblée' (PDF p1).

    Document date
    7 Apr 2026
    Published
    14 Apr 2026
    Auditor's report
    7 Apr 2026
    Board approval
    date not found in this document
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    not a column source (supplementary or comparison only)
    Basis
    company statements · TND thousands (printed “En milliers de dinars”)
    • No profit-before-tax line is printed (recorded as not reported); 'Résultat des activités ordinaires' is after income tax. Extraordinary items and accounting changes print '-'.
    Technical details
    File
    89 pages, with a text layer
    SHA-256
    157f24198c53ec31cb79543708091ada0b16cc4512b27280a66c01be02e1963e
    Entity as printed
    Banque Internationale Arabe de Tunisie -BIAT-
    Exchange copy
    retrieved 2026-10-08T18:04:24Z

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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