1. Company Information :
Logo société
| Company name | ATB |
| Date of creation | 30 June 1982 |
| Legal Form | Limited Company |
| National Company Register | 0014161Q |
| Sector | Banks |
| Special legislation | Law 2016-48 on Banks and Financial Institutions |
| Social object | Engages in banking operations as a regular occupation |
| Corporate address | 9, Street Hédi NOUIRA -1001 Tunis |
| Phone | +216 71 351 155 |
| Corporate Website | https://www.atb.tn |
| contact@atb.com.tn | |
| Listing date and listing modality | 03/10/1990 |
| ISIN code | TN0003600350 |
| Market | Main Market |
| Compartment | A |
| Trading Method | Continuous |
| Listing Group | 11 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Mr. Lassaad Jaziri | Lassaad.Jaziri@ATB.COM.TN | +216 71 351 155 |
3. Administration, Management and Control
Directeur Général
Mr.Riadh HAJJEJ
Board of Directors
OGM-
28/04/2026
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Mr.Naim El HUSSEINI | Chairman | ARAB BANK PLC | 2024 - 2026 |
| Mr.Férid ABBES | Member | himself | 2024 - 2026 |
| Mr.Walid SAMHOURI | Member | ARAB BANK PLC | 2024 - 2026 |
| M. FIRAS ZAYYED | Member | ARAB BANK PLC | 2024 - 2026 |
| Mr.Louai Ibrahim Mohamed SHAHZADEH | Member | ARAB BANK PLC | 2024 - 2026 |
| Mr.Massoud SAKKIJHA | Member | ARAB BANK PLC | 2024 - 2026 |
| Ms.Maissa ABIDDINE | Member | himself | 2024 - 2026 |
| Mr.hamadi BEN SEDRINE | Member | himself | 2024 - 2026 |
| Mr.Ridha ZERZERI | Member | himself | 2024 - 2026 |
| Ms.Olfa Benouda SIOUD | Independent member | himself | 2024 - 2026 |
| Ms.Dorra MAZZAR | Member representing minority shareholders | himself | 2024 - 2026 |
| Mr.Ammar HALOUANI | Independent member | himself | 2024 - 2026 |
Control
External auditors
| Full Name | Term of mandate |
|---|---|
| Accounting Firm - PwC Tunisie represented by Mr. Mohamed Lassaad Borji | 2024 - 2026 |
| Accounting Firm - CPA, represented by Mr. Mohamed Zied Chahed | 2024 - 2026 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Standing Internal Audit Committee | Mr.AMAR HALAWANI |
| Risk Committee | Ms.Olfa Ben Ouda |
| Nomination and Compensation Committee | Mr.Ferid Abbas |
| Credit Executive Committee | Mr.Riadh Hajjej |
| Governance Committee | M. Naim Husseini |
| Strategic Projects and Information Technology Governance Steering Committee | Mr.Naim Husseini |
4. Main Shareholders:
OGM-
28/04/2026
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| ARAB BANK PLC | 64237531 | 64.24 |
| ZERZERI GROUP | 5094363 | 5.09 |
| Other shareholders holding less than 5% | 30668106 | 30.67 |
| Total | 100000000 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2025 | 2024 | 2023 |
|---|---|---|---|
| Share capital | 150000000 | 128 000 000 | 128 000 000 |
| Book Value | 701897000 | 649 326 000 | 617 788 000 |
| Net Banking Income | 404638000 | 436 785 000 | 406 023 000 |
| Operating income | 5365000 | 56 447 000 | 19 869 000 |
| Earnings (2) | -24435000 | 31 285 000 | (158 000) |
| Dividend per share | - | - | - |
(1) Disclosed in the consolidated annual financial statements or, failing that, in the individual annual financial statements.
(2) Net income Group share for companies publishing consolidated accounts.
(2) Net income Group share for companies publishing consolidated accounts.
| Ratio | 2025 | 2024 | 2023 |
|---|---|---|---|
| PER (1) | - | - | 9,1 |
| PBR (2) | 0,810 | 0,5 | 0,4 |
| Earnings per share | -0,163 | 0,244 | -0.001 |
| Dividend yield % | - | - | - |
(1) Price Earning Ratio
(2) Price to book Value
(2) Price to book Value
6. Share Capital
Capital Structure
| Nature of Securities | Number | % | Nominal (DT) |
|---|---|---|---|
| Ordinary shares | 100000000 | 66.67 | 1 |
| Investment Certificates | 50000000 | 33.33 | 1 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||||
|---|---|---|---|---|---|---|---|---|
| DT | Equities | CI | DT | Equities | CI | |||
| 1982-06-30 | 5 | Initial Capital |
|
|
|
6000000 |
1200000 |
|
| 1985-01-01 | 5 | Cash Increase |
4000000 |
800000 |
|
10000000 |
2000000 |
|
| 1995-03-10 | 5 | Increase through Incorporation of Reserves |
2000000 |
400000 |
|
12000000 |
2400000 |
|
| 1995-03-10 | 5 | Cash Increase |
23000000 |
4600000 |
|
35000000 |
7000000 |
|
| 2005-04-30 | 5 | Increase through Incorporation of Reserves |
5000000 |
1000000 |
|
40000000 |
8000000 |
|
| 2005-04-30 | 5 | Cash Increase |
20000000 |
4000000 |
|
60000000 |
12000000 |
|
| 2006-05-24 | 1 | Reduction in Nominal Value |
0 |
48000000 |
|
60000000 |
60000000 |
|
| 2008-05-30 | 1 | Increase through Incorporation of Reserves |
6000000 |
6000000 |
|
66000000 |
66000000 |
|
| 2008-05-30 | 1 | Cash Increase |
14000000 |
14000000 |
|
80000000 |
80000000 |
|
| 2008-05-30 | 1 | Cash Increase |
20000000 |
20000000 |
|
100000000 |
100000000 |
|
| 2021-11-26 | 1 | Cash Increase |
28000000 |
|
28000000 |
128000000 |
100000000 |
28000000 |
| 2025-11-28 | 1 | Cash Increase |
22000000 |
|
22000000 |
150000000 |
100000000 |
50000000 |
7. Latest publications ATB
ATB - Information Post - General Meeting Ordinary at 28/04/2026
Information Post -General Meeting Ordinary of 28/04/2026.
ATB - Financial Statements Annual Consolidated at 31/12/2025
Consolidated Annual Financial Statements for the year 2025.
ATB - Financial Statements Annual Individual at 31/12/2025
Individual Annual Financial Statements for the year 2025.
8. The instruments of ATB
| Mnemonic | Label | Nature |
|---|---|---|
| ATB | ATB | Equity |
| ATBDA | ATBDA1/7 09/11/05 | Right of allocation |
| ATB08 | ATB Da 1/10 151208 | Right of allocation |
| ATB10 | ATB Da 1/16 161210 | Right of allocation |
| ATBB2 | ATB0529 5.9%P20-5 | Bond |
| ATB7C | ATB0527T+1.75%AP20 | Bond |
| ATB7D | ATB0532T+2.0%AP25 | Bond |
| ATBSB | ATBSB0328T+2.1AP10 | Bond |