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1. Company Information :

Company name BH
Date of creation 30 May 1989
Legal Form Limited Company
National Company Register 0024588W
Sector Banks
Special legislation Law 2016-48 on Banks and Financial Institutions
Social object

Engages in banking operations as a regular occupation.
Corporate address 21, Kheireddine Pacha Street – 1002 Tunis Belvédère
Phone +216 71 785 277
Corporate Website http://www.bh.com.tn
Email contact@bhbank.tn
Listing date and listing modality 14/12/1992
ISIN code TN0001900604
Market Main Market
Compartment A
Trading Method Continuous
Listing Group 11

2. Shareholder Relations Officer :

Full Name Email Phone
Mr. ALI SAADLI ali.saadli@bhbank.tn +216 56 795 262

3. Administration, Management and Control

D.G Mr.Lotfi BEN HAMMOUDA

Board of Directors

OGM-
30/04/2026
Name or Corporate Name Quality Represented by Term of mandate
Mr.Taoufik MNASRI Chairman 2024 - 2026
Mr. Hafedh KHLIFI Member Représentant de l’Etat 2024 - 2026
Ms.HELLA BEN SALAH Member Représentant de l’Etat 2024 - 2026
Mr. Hassen BEDHIAF Independent member 2024 - 2026
Mr. Moez BEN AMEUR Member Représentant de l’Etat 2024 - 2026
Mr. SAMI GUERFALI Member himself 2024 - 2026
Mr. Zouheir BESBES Member representing minority shareholders himself 2026 - 2028

Control

State Controller :

Mr. Mahmoud Montacer Mansour

External auditors

Full Name Term of mandate
CNF Consulting & Financial Firm represented by Mr. Walid Ben AYED 2025 - 2027
FMBZ KPMG Firm Tunisia, represented by Mr. Moncef Bou Sannougua Zamouri 2025 - 2027

Committees of the Board of Directors

Committee Committee President
Audit Committee Mr. Sami GUERFALI (Administrateur indépendant)
Risk Committee Mr. Sami MOULEY (Administrateur indépendant)
Nomination and Remuneration Committee Mr. Moez BEN AMEUR
Strategy and Governance Committee Mr. Hassen BEDHIAF
Recovery Committee Mr. Hafedh KHLIFI
Internal Markets Commission Mr. Taoufik MNASRI

4. Main Shareholders:

OGM-
30/04/2026
Name or Corporate Name Number of shares %
ETAT TUNISIEN 15882109 33.37
ETAP 7887911 16.57
Groupe HORCHANI 11036619 23.19
Other shareholders holding less than 5% of the capital 12793361 26.87
Total 47600000 100

5. Key Indicators & Ratios:

Key figures in DT (1) 2025 2024 2023
Share capital 238000000 238 000 000 238 000 000
Book Value 1638256 1 611 089 000 1 366 864 000
Net Banking Income 770826000 840 677 000 744 647 000
Operating income 81908000 143 317 000 279 496 000
Earnings (2) 42857000 71 028 000 142 978 000
Dividend per share - 0,900 1,100
(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.
Ratio 2025 2024 2023
PER (1) 6,9 4,2 4,5
PBR (2) 0,304 0,5 0,5
Earnings per share 1,492 3.003739496 3,00373949579832
Dividend yield % - 8,7 7,5
(1) Price Earning Ratio
(2) Price to book Value

6. Share Capital

Capital Structure

Nature of Securities Number % Nominal (DT)
Ordinary shares 47600000 100 5

Capital Evolution

Decision (EGM) Nominal (DT) Nature of the operation Capital evolution Capital in circulation
DT Equities DT Equities
1989-05-30 5 Initial Capital



1989-05-30 5 Capital Increase in kind 15000000
 3000000
 15000000
 3000000
1989-05-30 5 Cash Increase 100000
 20000
 15100000
 3020000
1992-04-02 5 Cash Increase



1992-04-02 5 Augmentation du capital par la conversion de créances de l'Etat 4867545
 973509
 19967545
 3993509
1992-04-02 5 Cash Increase 32455
 6491
 20000000
 4000000
1992-06-16 5 Cash Increase 7500000
 1500000
 27500000
 5500000
1992-07-27 5 Cash Increase 7500000
 1500000
 35000000
 7000000
1995-06-06 5 Cash Increase

50000000
 10000000
1995-06-06 5 Cash Increase 10000000
 2000000
 45000000
 9000000
1996-01-02 5 Increase through Incorporation of Reserves 2500000
 500000
 47500000
 9500000
1997-01-02 5 Increase through Incorporation of Reserves 2500000
 500000
 50000000
 10000000
1998-10-23 5 Cash Increase 10000000
 2000000
 60000000
 12000000
1998-10-23 5 Increase through Incorporation of Reserves 2500000
 500000
 62500000
 12500000
1998-10-23 5 Cash Increase 10000000
 2000000
 72500000
 14500000
1998-10-23 5 Increase through Incorporation of Reserves 2500000
 500000
 75000000
 15000000
2007-02-27 5 Cash Increase 10000000
 2000000
 85000000
 17000000
2007-05-28 5 Increase through Incorporation of Reserves 5000000
 1000000
 90000000
 18000000
2016-06-16 5 Cash Increase 50000000
 10000000
 140000000
 28000000
2016-06-16 5 Increase through Incorporation of Reserves 30000000
 6000000
 170000000
 34000000
2017-09-07 5 Cash Increase 34000000
 6800000
 204000000
 40800000
2017-09-07 5 Increase through Incorporation of Reserves 34000000
 6800000
 238000000
 47600000

7. Latest publications BH

BH BANK - Information Post - General Meeting Ordinary at 30/04/2026

Information Post -General Meeting Ordinary of 30/04/2026.
DISCOVER

BH BANK - Notices and Announcements Call for Applications

Notices and Annoucements - Call for Applications
DISCOVER

BH BANK - Financial Statements Annual Consolidated at 31/12/2025

Etats Financiers Annuels Consolidés au titre de l'année 2025.
DISCOVER
View all publications

8. The instruments of BH

Mnemonic Label Nature
BH BH BANK Equity
BHDA BQ HABITAT (Da) Right of allocation
BH12 BH Da 1/20 150999 Right of allocation
BH14 BH Da1/25 14022000 Right of allocation
BHDA7 BHDA 1/15 28052007 Right of allocation
BH15 BH DA 1/3 270715 Right of allocation
BH17 BH DA 1/5 171117 Right of allocation
BS21A BHSA1026T+2.55P5-1 Bond
BS21B BHSB1026T+2.7%INF5 Bond
BS21C BH SC1028 9.1%P7-2 Bond
BS21D BHSD1028T+2.9%P7-2 Bond