1. Company Information :
Logo société
| Company name | BTE |
| Date of creation | 10 August 1982 |
| Legal Form | Limited Company |
| National Company Register | 0015094B |
| Sector | Banks |
| Special legislation | Law 2016-48 on Banks and Financial Institutionse crédits |
| Social object | Engages in banking operations as a regular occupation. |
| Corporate address | 5 bis, Mohamed BADRA Street -1002 Tunis |
| Phone | +216 71 783 600 |
| Corporate Website | https://www.bte.com.tn |
| chokri.mejri@bte.com.tn | |
| Listing date and listing modality | 08/1995 |
| ISIN code | TN0001300557 |
| Market | Main Market |
| Compartment | A |
| Trading Method | Fixing |
| Listing Group | 12 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Mr.Mejri Chokri | chokri.mejri@bte.com.tn | +216 21 969 925 |
3. Administration, Management and Control
Chief Executive Officer
Ms.Feriel Chabrak épouse KRAIEM
Board of Directors
OGM-
30/04/2025
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Mr.Khalifa Ali ALQAMZI | Chairman | himself | 2024 - 2026 |
| Mr.Moubarak Salim ALMAZRAOUI | Member | himself | 2024 - 2026 |
| Mr.Ahmed Rachid Mohamed ALMEHIRI | Member | himself | 2024 - 2026 |
| Mr.Abdallah Ahmed Soltane ALHALLAMI | Member | himself | 2024 - 2026 |
| Mr.Humaid Al DARMAKI | Member | himself | 2023 - 2025 |
| Mr.Saaid Hamed Ali ALDARMAKI | Independent member | himself | 2024 - 2026 |
| Ms.Boutheina BOUKAMCHA | Member | himself | 2024 - 2026 |
| Ms.Nabiha MHAMDI | Member | himself | 2024 - 2026 |
| Mr.Moez JOUDI | Independent member | himself | 2025 - 2027 |
| Ms.Asma MASSOUD | Member | himself | 2024 - 2026 |
| Mr.Hichem MANSOURI | Member | himself | 2024 - 2026 |
Control
External auditors
| Full Name | Term of mandate |
|---|---|
| Firm CNWAUDIT AND ADVISING | 2024 - 2026 |
| Firm Mr.SAMIR LAABIDI | 2024 - 2026 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| AUDIT Committee | Mr.Moez JOUDI |
| Nomination and Remuneration Committee | Mr.Hamad AL MAZROUEI |
| Risk Committee | Mr.Humaid AL DARMAKI |
| Strategic Committee | Mr.Khaleefa AL QUAMZI |
4. Main Shareholders:
OGM-
30/04/2025
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| Tunisian government | 1750000 | 32.19 |
| Office National Des Postes | 468608 | 8.62 |
| Abou Dhabi Investment Authority | 2218608 | 40.8 |
| Shareholders holding preferred shares -ADP- | 1000000 | 18.39 |
| Total | 5437216 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Share capital | 108 744 000 | 90 000 000 | 90 000 000 |
| Book Value | 158 713 000 | 145 945 000 | 163 645 000 |
| Net Banking Income | 83 432 000 | 78 713 000 | 74 332 000 |
| Operating income | 16 252 000 | (4 643 000) | (7 984 000) |
| Earnings (2) | (26 002 000) | (33 673 000) | (30 303 000) |
| 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 | 2024 | 2023 | 2022 |
|---|---|---|---|
| PER (1) | Perte | Perte | Perte |
| PBR (2) | 0 | 0 | 0 |
| Earnings per share | -6,19305909494859 | -6,734 | -6,734 |
| 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 | 4500000 | 81.61 | 20 |
| Actions à Dividende Prioritaire-ADP | 1000000 | 18.39 | 20 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 1982-01-01 | 20 | Initial Capital |
50000000 |
2500000 |
50000000 |
2500000 |
| 1995-01-01 | 20 | Increase through Incorporation of Reserves |
20000000 |
1000000 |
70000000 |
3500000 |
| 1995-06-30 | 20 | Cash Increase |
20000000 |
1000000 |
90000000 |
4500000 |
| 2024-04-30 | 20 | Cash Increase |
18744320 |
937216 |
108744320 |
5437216 |
7. Latest publications BTE
BTE (ADP) - Quarterly activity reports at 30/09/2025
BTE, publishes its indicators of activity relative to the 3rd quarter 2025.
BTE (ADP) - Quarterly activity reports at 30/09/2025
BTE, publishes its indicators of activity relative to the 3rd quarter 2025.
BTE (ADP) - Quarterly activity reports at 30/09/2025
BTE, publishes its indicators of activity relative to the 3rd quarter 2025.
8. The instruments of BTE
| Mnemonic | Label | Nature |
|---|---|---|
| BTE | BTE (ADP) | Equity |
| BE9BF | BTEB0127 11,5%P7-2 | Bond |
| BE11F | BTE0232 6.25%P20 | Bond |
| BE10B | BTE0930 5.85%AP20 | Bond |
| BE9BV | BTEB0127T+3,25P7-2 | Bond |