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1. Company Information :

Company name BIAT
Date of creation 1 February 1976
Legal Form Limited Company
National Company Register 0000110 F
Sector Banks
Special legislation Law 2016-48 on Banks and Financial Institutions
Social object

Engages in banking operations as a regular occupation.
Corporate address 70-72 Street Habib Bourguiba – 1000 Tunis
Phone +216 71 340 733
Corporate Website http://www.biat.com.tn
Email comfinanciere@biat.com.tn
Listing date and listing modality 01/09/1990
ISIN code TN0001800457
Market Main Market
Compartment A
Trading Method Continuous
Listing Group 11

2. Shareholder Relations Officer :

Full Name Email Phone
Mme. Olfa GHALI olfa.ghali@biat.com.tn +216 58 222 568

3. Administration, Management and Control

DIRECTEUR GENERAL Mr.Elyes JEBIR

Board of Directors

OGM-
24/04/2026
Name or Corporate Name Quality Represented by Term of mandate
Mr.Ismail MABROUK Chairman himself 2026 - 2028
Mr.Karim MILAD Member himself 2026 - 2028
Mr.Hichem DRISS Member himself 2026 - 2028
Mr.Mohamed Afif CHELBI Member himself 2026 - 2028
Mr.Fadhel ABDELKAFI Member himself 2026 - 2028
Mr.Mohamed AGREBI Member himself 2026 - 2028
Mr.Mohamed Adel BELFEKIH Member himself 2026 - 2028
Mr.Mohamed Elyes BEN RAYANA Member himself 2025 - 2027
Mr.Karim BEN KAHLA Independent member himself 2024 - 2026
Mr.Moez LAABIDI Independent member himself 2024 - 2026
Ms.Cyrine SANCHOU Member representing minority shareholders himself 2026 - 2028

Control

External auditors

Full Name Term of mandate
CMC Law Firm 2025 - 2027
MTBF firm, member of the PwC Network 2025 - 2027

Committees of the Board of Directors

Committee Committee President
Audit Committee Mr.Karim BEN KAHLA
Risk Committee Mr.Moez LABIDI
Credit Executive Committee Mr.Elyes JEBIR

4. Main Shareholders:

OGM-
24/04/2026
Name or Corporate Name Number of shares %
MABROUK Group 15809462 38.75
MILAD Group 6124640 15.01
TAMARZISTE Group 3792253 9.29
HORCHANI Group 3543168 8.68
Shareholders holding less than 5% 11530477 28.27
Total 40800000 100

5. Key Indicators & Ratios:

Key figures in DT (1) 2025 2024 2023
Share capital 204 000 000 204 000 000 178 500 000
Book Value 2 573 522 000 2 314 276 000 2 158 755 000
Net Banking Income 1 938 590 000 1 750 286 000 1 603 909 000
Operating income 812 798 000 776 937 000 681 492 000
Earnings (2) 467 148 000 379 406 000 358 591 000
Dividend per share 6,000 6,000 6,000
(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) 9,7 10,7 10,5
PBR (2) 1,957 2 1,8
Earnings per share 11,449 8,78899509803922 8,75075630252101
Dividend yield % 5,4% 6,4 6,3
(1) Price Earning Ratio
(2) Price to book Value

6. Share Capital

Capital Structure

Nature of Securities Number % Nominal (DT)
Ordinary shares 40800000 100 5

Capital Evolution

Decision (EGM) Nominal (DT) Nature of the operation Capital evolution Capital in circulation
DT Equities DT Equities
1976-02-01 10 Initial Capital 1000000
 100000
 1000000
 100000
1976-02-17 10 Capital Increase in kind 271740
 27174
 1271740
 127174
1976-12-30 10 Cash Increase 1728260
 172826
 3000000
 300000
1980-06-13 10 Cash Increase 2000000
 200000
 5000000
 500000
1982-06-03 10 Cash Increase 4000000
 400000
 9000000
 900000
1982-06-13 10 Augmentation par attribution gratuite 1000000
 100000
 10000000
 1000000
1988-05-25 10 Cash Increase 6000000
 600000
 16000000
 1600000
1988-05-25 10 Augmentation par attribution gratuite 4000000
 400000
 20000000
 2000000
1991-05-15 10 Cash Increase 12000000
 1200000
 32000000
 3200000
1991-05-15 10 Augmentation par attribution gratuite 8000000
 800000
 40000000
 4000000
1994-05-17 10 Cash Increase 16000000
 1600000
 56000000
 5600000
1994-05-17 10 Augmentation par attribution gratuite 4000000
 400000
 60000000
 6000000
1997-10-27 10 Cash Increase 16000000
 1600000
 76000000
 7600000
1997-10-27 10 Augmentation par attribution gratuite 4000000
 400000
 80000000
 8000000
1999-09-14 10 Cash Increase 16000000
 1600000
 96000000
 9600000
1999-09-14 10 Augmentation par attribution gratuite 4000000
 400000
 100000000
 10000000
2004-05-18 10 Cash Increase 20000000
 2000000
 120000000
 12000000
2006-05-31 10 Cash Increase 50000000
 5000000
 170000000
 17000000
2020-06-03 10 Increase through Incorporation of Reserves 8500000
 850000
 178500000
 17850000
2021-04-23 5 Reduction in Nominal Value

178500000
 35700000
2024-11-01 5 Increase through Incorporation of Reserves 25500000
 5100000
 204000000
 40800000

7. Latest publications BIAT

BIAT - Information Post - General Meeting Ordinary at 24/04/2026

Information Post -General Meeting Ordinary of 24/04/2026.
DISCOVER

BIAT - Annual Management Report at 31/12/2025

Annual Management Report for the year 2025.
DISCOVER

BIAT - Quarterly Activity Indicators at 31/03/2026

Individual quarterly activity indicators for the first quarter of 2026.
DISCOVER
View all publications

8. The instruments of BIAT

Mnemonic Label Nature
BIAT BIAT Equity
BIA32 BIAT Da32 4/60 Right of allocation
BIA36 BIAT Da36 1/24 Right of allocation
BIA20 BIAT DA1/20 290620 Right of allocation
BIA24 BIAT DA1/7 291124 Right of allocation
B22AF BSA0627 8.75% P5PP Bond
B22AV BSA0627T+2.55%P5PP Bond
B22BF BSB0627 8.75% P5 Bond
B22BV BSB0627T+2.55% P5 Bond
B22CF BSC0627 9.15% IF5 Bond
B22CV BSC0627T+2.95% IF5 Bond
B22DF BSD0629 9.20% P7-2 Bond
B22DV BSD0629 T+3% P7-2 Bond
B22EF BSE0629 9.45% IF7 Bond
B22EV BSE0629T+3.25% IF7 Bond
B22FF BSF0632 9.60%P10-5 Bond
B22FV BSF0632T+3.35P10-5 Bond
B22GF BSG0632 9.70% IF10 Bond
B22GV BSG0632T+3.45%IF10 Bond