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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

STB

STB · Bourse de Tunis · Consolidated statements

On this page
Company details
Legal name
Société Tunisienne de Banque
Listing
STB on the Bourse de Tunis, active · ISIN TN0002600955 (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, signed / final · source

Read with these figures

  • Qualified audit opinion. FY2025: Basis: Fondement de l'opinion avec réserve (PDF p66-p67). Details below.
  • Auditor's emphasis of matter. Paragraphes d'observations (p70-p71): (1) receivables on public entities fell from 2 753 319 KDT to 2 421 133 KDT; Office du Commerce de la Tunisie exposure (573 273 KDT) significantly exceeds the 25% of net own funds limit of BCT circular 2018-06; State guarantees on certain public entities fall short by 118 780 KDT.
Full wording and sources

  • Auditor's report, year to 2025-12-31: qualified opinion ('except for')

    The auditor gives a qualified ('except for') opinion: apart from the matters it names, the statements are presented fairly. Figures are shown as printed; those affected by the named matters may be misstated. Fondement de l'opinion avec réserve: (1) 'AC7 Autres actifs' and 'PA5 Autres passifs' of the consolidated balance sheet contain old frozen accounts (mainly tele-clearing) totalling 94 176 KDT (other assets) and 114 125 KDT (other liabilities) at 31 December 2025, plus many suspense, adjustment, order and inter-branch accounts with significant balances not analysed or justified by the Group, whose clearing could significantly affect its financial position; the 27 484 KDT provision booked against them cannot be assessed by the auditors for basis and reliability. (2) 'PA4 Emprunts et ressources spéciales' contains old accounts without movement for several years totalling 19 151 KDT that may no longer be present obligations and should be cleared (PDF p66-p67).

    Source: Avis des sociétés — Etats financiers consolidés, Société Tunisienne de Banque-STB, arrêtés au 31 décembre 2025, p66 (dated 2026-04-14)

  • Auditor's emphasis of matter

    Paragraphes d'observations (p70-p71): (1) receivables on public entities fell from 2 753 319 KDT to 2 421 133 KDT; Office du Commerce de la Tunisie exposure (573 273 KDT) significantly exceeds the 25% of net own funds limit of BCT circular 2018-06; State guarantees on certain public entities fall short by 118 780 KDT. (2) a doubtful 71 739 KDT claim on Banque Franco-Tunisienne (provisioned 1 739 KDT, principal covered by a State guarantee) and a 15 176 KDT receivable (provisioned 190 KDT) for costs in the State v. ABCI dispute. (3) the parent's new multi-currency accounting system produced net conversion differences of 2 452 KDT in other assets, covered by a 12 105 KDT provision. (4) clearing of old BCT and correspondent suspense items added 8 050 KDT to pre-tax result; residual items of 45 728 KDT debit / 74 746 KDT credit remain, with a 2 794 KDT provision. (5) the consolidation perimeter comprises the parent, 16 subsidiaries and 5 associates; 43 companies are excluded (in liquidation, dormant, 2025 statements unavailable, or held for sale) and carried as non-consolidated investments.

    Source: Avis des sociétés — Etats financiers consolidés, Société Tunisienne de Banque-STB, arrêtés au 31 décembre 2025 (dated 2026-04-14)

  • Produit Net Bancaire

    TND 743 million

    743,423 TND thousands · p4

    +7.8% vs 2024

    Printed 'Produit Net Bancaire' 743 423 (p4), the bank's own net banking income measure; no revenue or net interest income line is printed.

  • PR1 - Intérêts et revenus assimilés

    TND 892 million

    891,914 TND thousands · p4

    −7.2% vs 2024

    Printed 'PR1 - Intérêts et revenus assimilés' 891 914 (p4); interest expense (CH1) is printed separately with no net interest subtotal.

  • Résultat net de l'exercice (*)

    TND 85.9 million

    85,853 TND thousands · p4

    −25.6% vs 2024

    Printed 'Résultat net de l'exercice (*)' 85 853 (p4).

  • Total assets

    TND 15.9 billion

    15,876,450 TND thousands · p2

    +3.0% vs 2024

    Printed 'Total des actifs' 15 876 450 (p2).

  • PA3 - Dépôts et avoirs de la clientèle

    TND 12.3 billion

    12,293,016 TND thousands · p2

    +9.9% vs 2024

    Printed 'PA3 - Dépôts et avoirs de la clientèle' 12 293 016 (p2).

  • Total des Capitaux propres

    TND 1.60 billion

    1,596,361 TND thousands · p2

    +4.9% vs 2024

    Printed 'Total des Capitaux propres' 1 596 361 (p2); minority interests (417 650) are printed separately outside equity.

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, signed / final; reported for the year · source
  • FY2024 — audited financial statements, signed / final; comparative in the FY2025 filing · source

Income statement

Income statement, TND thousands. Columns: FY2025 — audited financial statements (signed / final), as reported for the year; FY2024 — audited financial statements (signed / final), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
PR1 - Intérêts et revenus assimilés 891,9141 961,2412
PR2 - Commissions (en produits) 138,4663 148,6644
PR3 - Gains sur portefeuille-titres commercial et 86,2655 83,1556
PR4 - Revenus du portefeuille d'investissement7 356,5858 234,9669
Total produits d'exploitation bancaire10 1,473,23011 1,428,02612
CH1 - Intérêts encourus et charges assimilées (714,810)13 (724,102)14
CH2 - Commissions encourues (14,997)15 (14,588)16
Total charges d'exploitation bancaire17 (729,807)18 (738,690)19
Produit Net Bancaire 743,42320 689,33621
PR5-CH4 - Dotations aux provisions et résultat des corrections de valeurs sur créances, hors bilan et (251,493)22 (185,730)23
PR6-CH5 - Dotations aux provisions et résultat des corrections de valeurs sur portefeuille24 3,63525 2,11626
PR7 - Autres produits d'exploitation 19,72227 26,42228
CH6 - Frais de personnel (259,499)29 (256,080)30
CH7 - Charges générales d'exploitation (110,273)31 (105,675)32
CH8 - Dotations aux amortissements et aux33 (17,499)34 (19,000)35
Résultat d'exploitation 128,01636 151,38937
PR11 - Quote-part dans les résultats des entreprises (10,711) (8,308)
PR8-CH9 - Solde en gain/perte provenant des autres38 22,33239 22,07740
CH11 - Impôt sur les bénéfices (*) (49,873)41 (44,115)42
Résultat des activités ordinaires43 89,76444 121,04345
PR9-CH10 - Solde en gain/perte provenant des46 (3,911)47 (5,636)48
Résultat net de l'exercice (*) 85,85349 115,40750
PR9-CH10 - Intérêts minoritaires dans le résultat *51 27,110 24,304
Notes and alternative reported figures (51)
  1. Audited financial statements dated 2026-04-14 prints 882 104 (thousands, p4) for this line and year.
  2. Audited financial statements dated 2026-04-14 prints 962 696 (thousands, p4) for this line and year.
  3. Audited financial statements dated 2026-04-14 prints 136 125 (thousands, p4) for this line and year.
  4. Audited financial statements dated 2026-04-14 prints 140 907 (thousands, p4) for this line and year.
  5. Audited financial statements dated 2026-04-14 prints 80 895 (thousands, p4) for this line and year.
  6. Audited financial statements dated 2026-04-14 prints 80 856 (thousands, p4) for this line and year.
  7. “PR4 - Revenus du portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Note 7.4.
  8. Audited financial statements dated 2026-04-14 prints 353 418 (thousands, p4) for this line and year.
  9. Audited financial statements dated 2026-04-14 prints 223 572 (thousands, p4) for this line and year.
  10. “Total produits d'exploitation bancaire” is an issuer-specific line, not mapped to a shared definition: Total banking operating income.
  11. Audited financial statements dated 2026-04-14 prints 1 452 542 (thousands, p4) for this line and year.
  12. Audited financial statements dated 2026-04-14 prints 1 408 031 (thousands, p4) for this line and year.
  13. Audited financial statements dated 2026-04-14 prints (737 649) (thousands, p4) for this line and year.
  14. Audited financial statements dated 2026-04-14 prints (742 491) (thousands, p4) for this line and year.
  15. Audited financial statements dated 2026-04-14 prints (16 341) (thousands, p4) for this line and year.
  16. Audited financial statements dated 2026-04-14 prints (15 801) (thousands, p4) for this line and year.
  17. “Total charges d'exploitation bancaire” is an issuer-specific line, not mapped to a shared definition: Total banking operating charges (negative).
  18. Audited financial statements dated 2026-04-14 prints (753 990) (thousands, p4) for this line and year.
  19. Audited financial statements dated 2026-04-14 prints (758 292) (thousands, p4) for this line and year.
  20. Audited financial statements dated 2026-04-14 prints 698 552 (thousands, p4) for this line and year.
  21. Audited financial statements dated 2026-04-14 prints 649 739 (thousands, p4) for this line and year.
  22. Audited financial statements dated 2026-04-14 prints (268 244) (thousands, p4) for this line and year.
  23. Audited financial statements dated 2026-04-14 prints (200 465) (thousands, p4) for this line and year.
  24. “PR6-CH5 - Dotations aux provisions et résultat des corrections de valeurs sur portefeuille” is an issuer-specific line, not mapped to a shared definition: Note 7.8.
  25. Audited financial statements dated 2026-04-14 prints (9 881) (thousands, p4) for this line and year.
  26. Audited financial statements dated 2026-04-14 prints (10 098) (thousands, p4) for this line and year.
  27. Audited financial statements dated 2026-04-14 prints 1 776 (thousands, p4) for this line and year.
  28. Audited financial statements dated 2026-04-14 prints 1 815 (thousands, p4) for this line and year.
  29. Audited financial statements dated 2026-04-14 prints (237 963) (thousands, p4) for this line and year.
  30. Audited financial statements dated 2026-04-14 prints (226 648) (thousands, p4) for this line and year.
  31. Audited financial statements dated 2026-04-14 prints (97 833) (thousands, p4) for this line and year.
  32. Audited financial statements dated 2026-04-14 prints (98 752) (thousands, p4) for this line and year.
  33. “CH8 - Dotations aux amortissements et aux” is an issuer-specific line, not mapped to a shared definition: Operating charges.
  34. Audited financial statements dated 2026-04-14 prints (16 018) (thousands, p4) for this line and year.
  35. Audited financial statements dated 2026-04-14 prints (17 195) (thousands, p4) for this line and year.
  36. Audited financial statements dated 2026-04-14 prints 70 389 (thousands, p4) for this line and year.
  37. Audited financial statements dated 2026-04-14 prints 98 396 (thousands, p4) for this line and year.
  38. “PR8-CH9 - Solde en gain/perte provenant des autres” is an issuer-specific line, not mapped to a shared definition: Note 7.12.
  39. Audited financial statements dated 2026-04-14 prints 21 788 (thousands, p4) for this line and year.
  40. Audited financial statements dated 2026-04-14 prints 21 906 (thousands, p4) for this line and year.
  41. Audited financial statements dated 2026-04-14 prints (22 338) (thousands, p4) for this line and year.
  42. Audited financial statements dated 2026-04-14 prints (32 172) (thousands, p4) for this line and year.
  43. “Résultat des activités ordinaires” is an issuer-specific line, not mapped to a shared definition: Result after income tax, before extraordinary items.
  44. Audited financial statements dated 2026-04-14 prints 69 839 (thousands, p4) for this line and year.
  45. Audited financial statements dated 2026-04-14 prints 88 130 (thousands, p4) for this line and year.
  46. “PR9-CH10 - Solde en gain/perte provenant des” is an issuer-specific line, not mapped to a shared definition: Note 7.14.
  47. Audited financial statements dated 2026-04-14 prints (3 909) (thousands, p4) for this line and year.
  48. Audited financial statements dated 2026-04-14 prints (5 630) (thousands, p4) for this line and year.
  49. Audited financial statements dated 2026-04-14 prints 65 930 (thousands, p4) for this line and year.
  50. Audited financial statements dated 2026-04-14 prints 82 500 (thousands, p4) for this line and year.
  51. “PR9-CH10 - Intérêts minoritaires dans le résultat *” is an issuer-specific line, not mapped to a shared definition: Printed positive and deducted from 'Résultat net de l'exercice' to give the group result; comparative restated (*).

Balance sheet

Balance sheet, TND thousands. Columns: FY2025 — audited financial statements (signed / final), as reported for the year; FY2024 — audited financial statements (signed / final), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
AC1 - Caisse et avoirs auprès de la BCT, CCP et 131,0011 161,4422
AC2 - Créances sur les établissements bancaires et 1,281,4343 707,8534
AC3 - Créances sur la clientèle 8,611,5175 9,741,8086
AC4 - Portefeuille-titres commercial 459,9277 629,5598
AC5 - Portefeuille d'investissement 4,608,6049 3,325,90010
AC5b - Titres mis en équivalence11 125,294 114,794
AC6 - Valeurs immobilisées12 167,41413 168,67114
Actif d'impôt différé *15 128,209 151,737
AC7 - Autres actifs * 363,05016 409,65617
Total des actifs 15,876,45018 15,411,42019
PA1 - Banque Centrale et CCP20 16,351 511,665
PA2 - Dépôts et avoirs des établissements bancaires 337,48721 432,10822
PA3 - Dépôts et avoirs de la clientèle 12,293,01623 11,188,78824
PA4 - Emprunts et ressources spéciales 482,06725 558,21926
PA5 - Autres passifs * 733,51827 825,12528
Total des passifs 13,862,43929 13,515,90530
Intérêts Minoritaires *31 417,650 373,153
CP1 - Capital 776,875 776,875
CP3 - Réserves consolidés *32 770,334 659,920
CP4 - Actions propres33 (9,591) (5,536)
CP7 - Résultat consolidé *34 58,743 91,103
Total des Capitaux propres35 1,596,361 1,522,362
Total des capitaux propres et passifs 15,876,45018 15,411,42019
Notes and alternative reported figures (35)
  1. Audited financial statements dated 2026-04-14 prints 130 981 (thousands, p2) for this line and year.
  2. Audited financial statements dated 2026-04-14 prints 160 808 (thousands, p2) for this line and year.
  3. Audited financial statements dated 2026-04-14 prints 1 275 755 (thousands, p2) for this line and year.
  4. Audited financial statements dated 2026-04-14 prints 693 545 (thousands, p2) for this line and year.
  5. Audited financial statements dated 2026-04-14 prints 8 643 559 (thousands, p2) for this line and year.
  6. Audited financial statements dated 2026-04-14 prints 9 772 538 (thousands, p2) for this line and year.
  7. Audited financial statements dated 2026-04-14 prints 100 891 (thousands, p2) for this line and year.
  8. Audited financial statements dated 2026-04-14 prints 374 486 (thousands, p2) for this line and year.
  9. Audited financial statements dated 2026-04-14 prints 4 784 829 (thousands, p2) for this line and year.
  10. Audited financial statements dated 2026-04-14 prints 3 499 674 (thousands, p2) for this line and year.
  11. “AC5b - Titres mis en équivalence” is an issuer-specific line, not mapped to a shared definition: AC5b, note 6.6.
  12. “AC6 - Valeurs immobilisées” is an issuer-specific line, not mapped to a shared definition: Note 5.6: tangible and intangible fixed assets, net.
  13. Audited financial statements dated 2026-04-14 prints 153 574 (thousands, p2) for this line and year.
  14. Audited financial statements dated 2026-04-14 prints 155 472 (thousands, p2) for this line and year.
  15. “Actif d'impôt différé *” is an issuer-specific line, not mapped to a shared definition: Note 6.8; comparative restated (*).
  16. Audited financial statements dated 2026-04-14 prints 270 286 (thousands, p2) for this line and year.
  17. Audited financial statements dated 2026-04-14 prints 312 748 (thousands, p2) for this line and year.
  18. Audited financial statements dated 2026-04-14 prints 15 359 875 (thousands, p2) for this line and year.
  19. Audited financial statements dated 2026-04-14 prints 14 969 271 (thousands, p2) for this line and year.
  20. “PA1 - Banque Centrale et CCP” is an issuer-specific line, not mapped to a shared definition: Note 5.8: amounts due to the central bank and postal accounts.
  21. Audited financial statements dated 2026-04-14 prints 336 396 (thousands, p2) for this line and year.
  22. Audited financial statements dated 2026-04-14 prints 431 992 (thousands, p2) for this line and year.
  23. Audited financial statements dated 2026-04-14 prints 12 508 096 (thousands, p2) for this line and year.
  24. Audited financial statements dated 2026-04-14 prints 11 400 113 (thousands, p2) for this line and year.
  25. Audited financial statements dated 2026-04-14 prints 500 884 (thousands, p2) for this line and year.
  26. Audited financial statements dated 2026-04-14 prints 590 773 (thousands, p2) for this line and year.
  27. Audited financial statements dated 2026-04-14 prints 654 632 (thousands, p2) for this line and year.
  28. Audited financial statements dated 2026-04-14 prints 751 526 (thousands, p2) for this line and year.
  29. Audited financial statements dated 2026-04-14 prints 14 016 359 (thousands, p2) for this line and year.
  30. Audited financial statements dated 2026-04-14 prints 13 686 069 (thousands, p2) for this line and year.
  31. “Intérêts Minoritaires *” is an issuer-specific line, not mapped to a shared definition: Note 6.15; printed between total liabilities and equity, outside 'Total des Capitaux propres'; comparative restated (*).
  32. “CP3 - Réserves consolidés *” is an issuer-specific line, not mapped to a shared definition: CP3, note 6.16; comparative restated (*).
  33. “CP4 - Actions propres” is an issuer-specific line, not mapped to a shared definition: Own shares held, deducted from equity (note 5.13).
  34. “CP7 - Résultat consolidé *” is an issuer-specific line, not mapped to a shared definition: CP7, note 6.16: the year's group result within equity; comparative restated (*).
  35. “Total des Capitaux propres”: mapping to a shared definition is uncertain. Printed 'Total des Capitaux propres' (1 596 361), excluding minority interests (417 650), which are printed between total liabilities and equity; the auditors call it 'capitaux propres ... (hors intérêts minoritaires)' (p66).

Cash flow

Cash flow, TND thousands. Columns: FY2025 — audited financial statements (signed / final), as reported for the year; FY2024 — audited financial statements (signed / final), 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 encaissés1 1,006,0842 1,248,1483
Charges d'exploitation bancaire décaissées4 (723,085)5 (738,549)6
Dépôts / retraits de dépôts auprès établissements bancaires et7 24,9008 28,7079
Prêts et avances / remboursements prêts et avances accordés à la10 860,93211 505,43412
Dépôts / retrait de dépôts de la clientèle13 1,096,39614 1,170,54315
Acquisitions / cessions des titres de placement16 130,30817 (96,419)18
Sommes versées au personnel et créditeurs divers (*)19 (431,321)20 (281,269)21
Autres flux de trésorerie provenant des activités d'exploitation (*)22 126,34623 (21,598)24
Impôt sur les bénéfices (*) (50,508)25 (51,988)26
Flux de trésorerie net provenant des activités 2,040,05227 1,763,00928
Intérêts et dividendes encaissés sur portefeuille d'investissement29 346,01530 216,93331
Acquisitions / cessions sur portefeuille d'investissement32 (1,170,833)33 (1,142,949)34
Acquisitions / cessions sur immobilisations35 (16,567)36 (18,036)37
Flux de trésorerie net provenant des activités (841,385)38 (944,052)39
Emissions /Remboursement d'emprunts40 (75,316) (86,418)
Emissions /Remboursement des ressources spéciales41 2,107 10,735
Dividendes versés et autres distributions42 (9,855) (10,035)
Remboursement dotation de l'Etat *43 (37,000) (40,000)
Flux de trésorerie net affecté aux activités de (124,119)44 (125,718)45
Variation nette des liquidités et équivalents de 1,074,54846 693,23947
Liquidités et équivalents de liquidités en début de période (4,142)48 (697,381)49
Liquidités et équivalents de liquidités en fin de 1,070,40650 (4,142)48
Notes and alternative reported figures (50)
  1. “Produits d'exploitation bancaire encaissés” is an issuer-specific line, not mapped to a shared definition: Operating.
  2. Audited financial statements dated 2026-04-14 prints 1 042 495 (thousands, p5) for this line and year.
  3. Audited financial statements dated 2026-04-14 prints 1 234 075 (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 2026-04-14 prints (750 101) (thousands, p5) for this line and year.
  6. Audited financial statements dated 2026-04-14 prints (753 402) (thousands, p5) for this line and year.
  7. “Dépôts / retraits de dépôts auprès établissements bancaires et” is an issuer-specific line, not mapped to a shared definition: Operating.
  8. Audited financial statements dated 2026-04-14 prints 23 919 (thousands, p5) for this line and year.
  9. Audited financial statements dated 2026-04-14 prints 29 114 (thousands, p5) for this line and year.
  10. “Prêts et avances / remboursements prêts et avances accordés à la” is an issuer-specific line, not mapped to a shared definition: Operating.
  11. Audited financial statements dated 2026-04-14 prints 842 072 (thousands, p5) for this line and year.
  12. Audited financial statements dated 2026-04-14 prints 483 525 (thousands, p5) for this line and year.
  13. “Dépôts / retrait de dépôts de la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
  14. Audited financial statements dated 2026-04-14 prints 1 100 151 (thousands, p5) for this line and year.
  15. Audited financial statements dated 2026-04-14 prints 1 209 390 (thousands, p5) for this line and year.
  16. “Acquisitions / cessions des titres de placement” is an issuer-specific line, not mapped to a shared definition: Operating.
  17. Audited financial statements dated 2026-04-14 prints 181 408 (thousands, p5) for this line and year.
  18. Audited financial statements dated 2026-04-14 prints (120 921) (thousands, p5) for this line and year.
  19. “Sommes versées au personnel et créditeurs divers (*)” is an issuer-specific line, not mapped to a shared definition: Operating.
  20. Audited financial statements dated 2026-04-14 prints (403 088) (thousands, p5) for this line and year.
  21. Audited financial statements dated 2026-04-14 prints (239 670) (thousands, p5) for this line and year.
  22. “Autres flux de trésorerie provenant des activités d'exploitation (*)” is an issuer-specific line, not mapped to a shared definition: Operating.
  23. Audited financial statements dated 2026-04-14 prints 101 274 (thousands, p5) for this line and year.
  24. Audited financial statements dated 2026-04-14 prints (44 786) (thousands, p5) for this line and year.
  25. Audited financial statements dated 2026-04-14 prints (44 288) (thousands, p5) for this line and year.
  26. Audited financial statements dated 2026-04-14 prints (44 791) (thousands, p5) for this line and year.
  27. Audited financial statements dated 2026-04-14 prints 2 093 842 (thousands, p5) for this line and year.
  28. Audited financial statements dated 2026-04-14 prints 1 752 534 (thousands, p5) for this line and year.
  29. “Intérêts et dividendes encaissés sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Investing.
  30. Audited financial statements dated 2026-04-14 prints 340 658 (thousands, p5) for this line and year.
  31. Audited financial statements dated 2026-04-14 prints 198 356 (thousands, p5) for this line and year.
  32. “Acquisitions / cessions sur portefeuille d'investissement” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  33. Audited financial statements dated 2026-04-14 prints (1 210 977) (thousands, p5) for this line and year.
  34. Audited financial statements dated 2026-04-14 prints (1 135 879) (thousands, p5) for this line and year.
  35. “Acquisitions / cessions sur immobilisations” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  36. Audited financial statements dated 2026-04-14 prints (14 572) (thousands, p5) for this line and year.
  37. Audited financial statements dated 2026-04-14 prints (17 958) (thousands, p5) for this line and year.
  38. Audited financial statements dated 2026-04-14 prints (884 891) (thousands, p5) for this line and year.
  39. Audited financial statements dated 2026-04-14 prints (955 481) (thousands, p5) for this line and year.
  40. “Emissions /Remboursement d'emprunts” is an issuer-specific line, not mapped to a shared definition: Financing (net).
  41. “Emissions /Remboursement des ressources spéciales” is an issuer-specific line, not mapped to a shared definition: Financing (net).
  42. “Dividendes versés et autres distributions”: mapping to a shared definition is uncertain. Printed 'Dividendes versés et autres distributions' (financing); may include distributions by subsidiaries to minority shareholders.
  43. “Remboursement dotation de l'Etat *” is an issuer-specific line, not mapped to a shared definition: Financing: repayment of the State endowment.
  44. Audited financial statements dated 2026-04-14 prints (125 167) (thousands, p5) for this line and year.
  45. Audited financial statements dated 2026-04-14 prints (118 098) (thousands, p5) for this line and year.
  46. Audited financial statements dated 2026-04-14 prints 1 083 784 (thousands, p5) for this line and year.
  47. Audited financial statements dated 2026-04-14 prints 678 955 (thousands, p5) for this line and year.
  48. Audited financial statements dated 2026-04-14 prints (19 070) (thousands, p5) for this line and year.
  49. Audited financial statements dated 2026-04-14 prints (698 025) (thousands, p5) for this line and year.
  50. Audited financial statements dated 2026-04-14 prints 1 064 714 (thousands, p5) for this line and year.

Per share and shares

Per share and shares. Columns: FY2025 — audited financial statements (signed / final), as reported for the year; FY2024 — audited financial statements (signed / final), 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 58,743 91,103
Notes and alternative reported figures (1)
  1. Profit / (loss) attributable to shareholders: printed as “Résultat Net consolidé de l'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.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividendes versés et autres distributions (9,855) TND thousands Audited financial statements, p5
31 Dec 2024 Dividends paid (cash flow statement) Dividendes versés et autres distributions (10,035) 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.

  • Avis des sociétés — Etats financiers définitifs, Société Tunisienne de Banque-STB, arrêtés au 31 décembre 2025

    Year ended 31 December 2025 · Audited financial statements · signed / final

    Audit: Générale d'Expertise & de Management - GEM (Abderrazak Gabsi) and Groupement eXacom Audit & MAC (Abderrazak Souei), co-commissaires aux comptes, qualified opinion · signed

    Auditor's sign-off: GEM, Abderrazak GABSI, associé; Groupement eXacom Audit & MAC, Abderrazak SOUEI, expert-comptable

    Final status: The rapport général des commissaires aux comptes on these statements (pp48-56) is dated 'Tunis, le 14 avril 2026' and carries handwritten signatures and firm stamps of both co-auditors: Générale d'Expertise & de Management - GEM (Abderrazak GABSI, associé) and the Groupement eXacom Audit & MAC (Abderrazak SOUEI, expert-comptable) (PDF p56, page image). The opinion is QUALIFIED ('Opinion avec réserve', p48). The statements are published 'tels qu'ils seront soumis à l'approbation de l'assemblée générale ordinaire qui se tiendra en date du 30 avril 2026' (p1); publication authorised by the board on 06 April 2026 (note 11, p47).

    Document date
    14 Apr 2026
    Auditor's report
    14 Apr 2026
    Board approval
    6 Apr 2026
    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 “Unité : en 1 000 DT”)
    • Fondement de l'opinion avec réserve: (1) 'AC7 Autres actifs' and 'PA5 Autres passifs' contain old frozen accounts (mainly tele-clearing) totalling 94 176 KDT (other assets) and 114 125 KDT (other liabilities) at 31 December 2025, plus many suspense, adjustment, order and inter-branch accounts with significant balances not analysed or justified by the bank, whose clearing could significantly affect its financial position; the 27 484 KDT provision the bank booked against them cannot be assessed by the auditors for basis and reliability. (2) 'PA4 Emprunts et ressources spéciales' contains old accounts without movement for several years totalling 19 151 KDT that may no longer be present obligations and should be cleared (PDF pp48-49).
    • The cash-flow line 'Impôt sur les bénéfices (*)' prints (44 288) and (44 791) with a 'Variation' of 35 617 and 79,5% (p5), which does not match the two amounts; the Variation column is not transcribed. Kept as printed.
    • No profit-before-tax line is printed (recorded as not reported); 'Résultat des activités ordinaires' is after income tax. Below 'Résultat net de l'exercice' (65 930; 2024: 82 500) the statement prints 'Effet des modifications comptables (Net d'impôt)' ('-'; 2024: (18 835)) and 'Résultat après modification comptable' (65 930; 2024: 63 665), recorded as issuer concepts (p4).
    • 2024 comparatives of 'Autres actifs' and 'Autres passifs' (p2), the off-balance-sheet 'Garanties reçues' (p3) and four cash-flow lines marked (*) (p5) are restated 'pour des besoins de comparabilité'; those rows are marked restated.
    Technical details
    File
    71 pages, with a text layer
    SHA-256
    98c6a3ff970653d0e7b0d1cf6b5b2d62b090fe19bb658a230878049a9fdb0f5f
    Entity as printed
    Société Tunisienne de Banque-STB- (STB Bank), siège social Rue Hédi Nouira 1001 Tunis (PDF p1, p48)
    Exchange copy
    retrieved 2026-10-08T18:05:14Z

  • Avis des sociétés — Etats financiers consolidés, Société Tunisienne de Banque-STB, arrêtés au 31 décembre 2025

    Year ended 31 December 2025 · Audited financial statements · signed / final

    Audit: Générale d'Expertise & de Management - GEM (Abderrazak Gabsi) and Groupement eXacom Audit & MAC (Abderrazak Souei), co-commissaires aux comptes, qualified opinion · signed

    Auditor's sign-off: P/ GEM, Abderrazak GABSI, associé; P/ Groupement eXacom Audit & MAC, Abderrazak SOUEI, expert-comptable

    Final status: The commissaires aux comptes' report on the consolidated financial statements (p66-p74) is dated 'Tunis, le 14 avril 2026' and carries handwritten signatures and firm stamps of both co-auditors: P/ Générale d'Expertise & de Management - GEM (Abderrazak GABSI, associé) and P/ Le Groupement eXacom Audit & MAC (Abderrazak SOUEI, expert-comptable) (PDF p74, page image). The opinion is QUALIFIED ('Opinion avec réserve', p66). Publication authorised by the board meeting of 06 April 2026 (note 13, p61).

    Document date
    14 Apr 2026
    Auditor's report
    14 Apr 2026
    Board approval
    6 Apr 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · TND thousands (printed “Unité : Mille Dinars”)
    • Fondement de l'opinion avec réserve: (1) 'AC7 Autres actifs' and 'PA5 Autres passifs' of the consolidated balance sheet contain old frozen accounts (mainly tele-clearing) totalling 94 176 KDT (other assets) and 114 125 KDT (other liabilities) at 31 December 2025, plus many suspense, adjustment, order and inter-branch accounts with significant balances not analysed or justified by the Group, whose clearing could significantly affect its financial position; the 27 484 KDT provision booked against them cannot be assessed by the auditors for basis and reliability. (2) 'PA4 Emprunts et ressources spéciales' contains old accounts without movement for several years totalling 19 151 KDT that may no longer be present obligations and should be cleared (PDF p66-p67).
    • Basis: Fondement de l'opinion avec réserve (PDF p66-p67).
    • The 2025 financing lines printed on the statement of cash flows sum to (120 064) (borrowings (75 316), special resources 2 107, dividends (9 855), State endowment (37 000)), but the printed total is (124 119); the 4 055 difference equals the change in 'CP4 - Actions propres' on the bilan ((9 591) against (5 536)), which has no printed cash-flow line. Note 9.3 (p51) states only the total. The 2024 lines add up. Kept as printed; compared on the page image (p5).
    • Liquidités et équivalents de liquidités in the statement of cash flows (1 070 406; 2024: (4 142)) comprise cash, CCP, BCT, banks and money-market placements and borrowings (note 9.4, p51); they are not a bilan line, so no balance-sheet cash comparison is made.
    • Minority interests (417 650; 2024: 373 153) are printed between 'Total des passifs' and equity and are not included in 'Total des Capitaux propres' (1 596 361), mapped to equity attributable to owners; no total including minority interests is printed (p2). No profit-before-tax line is printed; 'Résultat des activités ordinaires' is after income tax. 'Intérêts minoritaires dans le résultat' (27 110) is printed positive and deducted from 'Résultat net de l'exercice' (85 853) to give 'Résultat Net consolidé de l'exercice' (58 743) (p4). No earnings per share is printed.
    • 2024 comparatives marked (*) are restated 'pour des besoins de comparabilité' (p2, p4, p5): deferred tax asset, other assets, other liabilities, minority interests, consolidated reserves and result (bilan); income tax, net result, minority interests and group result (état de résultat); staff and creditors, other operating flows, income tax, State endowment repayment and the operating and financing totals (cash flows). Those rows are marked restated.
    Technical details
    File
    74 pages, with a text layer
    SHA-256
    72fa7b7e72a70d9aae58bde75bff2b118a85e09e664313bebee9f059dbcf1b82
    Entity as printed
    Société Tunisienne de Banque et ses filiales (le « Groupe »); Groupe Société Tunisienne de Banque (PDF p1, p66)
    Exchange copy
    retrieved 2026-10-08T18:05:12Z

Data notes

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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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