1. Company Information :
Logo société
| Company name | WIFAK INTERNATIONAL BANK |
| Date of creation | 28 June 2002 |
| Legal Form | Limited Company |
| National Company Register | L0798651 |
| Sector | Banks |
| Special legislation | Law 2016-48 on Banks and Financial Institutions |
| Social object | Engages in banking operations as a regular occupation. |
| Corporate address | Habib Bourguiba Avenue – 4 100 Médenine – BP : 356 |
| Phone | +216 70 259 000 |
| Corporate Website | http://www.wifakbank.com |
| wifakbankcontact@wifakbank.com | |
| Listing date and listing modality | 10-07-2006 |
| ISIN code | TN0007200017 |
| Market | Main Market |
| Compartment | A |
| Trading Method | Continuous |
| Listing Group | 11 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Khadija Khalfa | Khadija.Khalfa@wifakbank.com | +216 98 792 909 |
3. Administration, Management and Control
Chief Executive Officer
M.Mohamed Mellousse
Board of Directors
OGM-
24/04/2026
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| M. Basem Ali TANTUSH | Chairman | himself | 2025 - 2027 |
| ICD | Member | M. Taoufik LACHHEB | 2025 - 2027 |
| ICD | Member | M. Baha Eddine KRIMILI | 2025 - 2027 |
| Sté CIF SICAF | Member | M. Mohamed Riadh Zafzouf | 2025 - 2027 |
| CDC | Member | Mme Nejia Gharbi | 2025 - 2027 |
| M. Hichem ZBIDI | Member | himself | 2025 - 2027 |
| M.Mongi HIDRI | Member | himself | 2025 - 2027 |
| M.Karim HAJ ROMDHANE | Member | himself | 2025 - 2027 |
| Sté PROSID | Member | M.Mohamed SAIDENE | 2025 - 2027 |
| SNCI | Member | 2025 - 2027 |
Control
External auditors
| Full Name | Term of mandate |
|---|---|
| TCA Firm represented by Mr Bechir NADRI | 2024 - 2026 |
| Mounir QARAJAH law represented by Mr Mounir QARAJAH | 2026 - 2028 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Nomination and Remuneration Committee | M. Basem Tantush |
| Standing Audit Committee | M. Hichem Zbidi |
| Risk Committee | M. Mongi Hidri |
4. Main Shareholders:
OGM-
24/04/2026
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| Islamic Corporation for the Développement of the Private Sector -ICD- | 9000000 | 30 |
| Companies Mohamed Hédi BEN AYED | 11957957 | 39.86 |
| CDC | 3000000 | 10 |
| M. Abdellatif Hamrouni | 2999999 | 9.99 |
| Other shareholders holding less than 5% of the capital | 2989566 | 9.97 |
| Total | 29947522 | 99.82 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2025 | 2024 | 2023 |
|---|---|---|---|
| Share capital | 150 000 000 | 150 000 000 | 150 000 000 |
| Book Value | 173 121 950 | 179 123 397 | 170 081 835 |
| Net Banking Income | 121 035 420 | 103 534 618 | 84 718 638 |
| Operating income | 16 093 037 | 14 534 689 | 7407346 |
| Earnings (2) | 9 871 141 | 10 126 529 | 8 998 657 |
| 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) | 23,4 | 30.0 | 41.2 |
| PBR (2) | 1,334 | 1.6 | 1.6 |
| Earnings per share | 0,329 | 0,299955233333333 | 0,299955233333333 |
| 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 | 30000000 | 100 | 5 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 2022-06-28 | 10 | Initial Capital |
5000000 |
500000 |
5000000 |
500000 |
| 2003-10-21 | 10 | Cash Increase |
2500000 |
250000 |
7500000 |
750000 |
| 2005-05-19 | 5 | Reduction in Nominal Value |
0 |
750000 |
7500000 |
1500000 |
| 2006-11-17 | 5 | Cash Increase |
2500000 |
500000 |
10000000 |
2000000 |
| 2008-10-07 | 5 | Cash Increase |
5000000 |
1000000 |
15000000 |
3000000 |
| 2012-06-21 | 5 | Cash Increase |
5000000 |
1000000 |
20000000 |
4000000 |
| 2015-08-28 | 5 | Increase through Incorporation of Reserves |
2000000 |
10000000 |
30000000 |
6000000 |
| 2015-08-28 | 5 | Cash Increase |
60000000 |
12000000 |
90000000 |
18000000 |
| 2015-08-28 | 5 | Cash Increase |
60000000 |
12000000 |
150000000 |
30000000 |
7. Latest publications WIFAK INTERNATIONAL BANK
WIFACK INTERNATIONAL BANK - Information Post - General Meeting Ordinary at 24/04/2026
Information Post -General Meeting Ordinary of 24/04/2026.
WIFACK INTERNATIONAL BANK - Quarterly Activity Indicators at 31/03/2026
Individual quarterly activity indicators for the first quarter of 2026.
WIFACK INTERNATIONAL BANK - Financial Statements Annual Consolidated at 31/12/2025
Consolidated Annual Financial Statements for the year 2025.
8. The instruments of WIFAK INTERNATIONAL BANK
| Mnemonic | Label | Nature |
|---|---|---|
| WIFAK | WIFACK INT BANK | Equity |
| WIF15 | WIFAK DA1/2 121015 | Right of allocation |
| WB19D | WIB ID 0626 11%P7 | Bond |
| WB22A | WIB A 0128 9.25%P5 | Bond |
| WB22B | WIBB0130 9.75%P7-2 | Bond |
| WB22C | WC0133 10.25%P10-2 | Bond |
| WB19C | WIBIC0626 10.75%P7 | Bond |