1. Company Information :
Logo société
| Company name | AMEN BANK |
| Date of creation | 18 july 1967 |
| Legal Form | Limited Company |
| National Company Register | 0000221M |
| 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 | Mohamed V Avenue - 1002 Tunis |
| Phone | +216 71 148 000 |
| Corporate Website | http://www.amenbank.com.tn/ |
| amenbank@amenbank.com.tn | |
| Listing date and listing modality | February 1996 |
| ISIN code | TN0003400058 |
| Market | Main Market |
| Compartment | B |
| Trading Method | Continuous |
| Trading Group | 11 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Mr.KHALED BOUKHRIS | khaled.boukhris@amenbank.com.tn | +216 71 148 182 |
3. Administration, Management and Control
Président du Directoire
Mr.Neji GHANDRI
Membres du Directoire
Mr.Karim BEN YEDDER
Membre du Directoire
Mr.Youssef BEN GHORBEL
Board of Directors
OGM-
24/04/2025
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Mr.Rached FOURATI | Chairman | himself | 2024 - 2026 |
| Mr.Slaheddine LADJIMI | Member | himself | 2024 - 2026 |
| Mr.Nébil BEN YEDDER | Member | himself | 2024 - 2026 |
| Ms.Selma BABBOU | Member | himself | 2024 - 2026 |
| COMAR | Member | Mr.Hakim Ben YEDDER | 2024 - 2026 |
| Sté PARENIN | Member | Mr.Mohamed Anouar BEN AMMAR | 2024 - 2026 |
| Sté Le PNEU | Member | Mr.Monem NAIFER | 2024 - 2026 |
| Ms.Nihed BEN AYED | Member | himself | 2024 - 2026 |
| Mr.Farid BEN BRAHIM | Independent member | himself | 2024 - 2026 |
| Mr.Hatem SALAH | Independent member | himself | 2024 - 2026 |
| Mr.Mehdi ETTRI | Member representing minority shareholders | himself | 2024 - 2026 |
| La Sté PGI | Member | Mr.Ahmed El KARM | 2024 - 2026 |
Control
External auditors
| Full Name | Term of mandate |
|---|---|
| GAC Firm, represented by Mr. Chiheb Ghanmi | 2025 - 2027 |
| ECC Mazars Firm—Represented by Mr. Borhen CHEBBI | 2024 - 2026 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Risk Committee | Mr.HATEM SALAH |
| Audit Committee | Mr.FERID BEN BRAHIM |
4. Main Shareholders:
OGM-
24/04/2025
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| COMAR INSURANCE | 10041923 | 28.76 |
| PGI HOLDING Company | 7120798 | 20.39 |
| ENNAKL AUTOMOBILES Company | 2770695 | 7.93 |
| Other shareholders holding less than 5% of the capital | 14986584 | 42.92 |
| Total | 34920000 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Share capital | 174 600 000 | 151 320 000 | 132 405 000 |
| Book Value | 1 703 741 000 | 1 564 603 000 | 1 366 659 000 |
| Net Banking Income | 562 660 000 | 538 309 000 | 488 396 000 |
| Operating income | 251 420 000 | 231 172 000 | 174 264 000 |
| Earnings (2) | 243 545 000 | 216 546 000 | 152 579 000 |
| Dividend per share | 3,300 | 3,220 | 2,047 |
(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) | 6.000 | 6.6 | 5.1 |
| PBR (2) | 0.9 | 0.8 | 0.6 |
| Earnings per share | 6,974 | 7,155 | 5,762 |
| Dividend yield % | 8.7% | 6.1% | 5.5% |
(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 | 34920000 | 100 | 10 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 10 | Initial Capital |
|
|
325000 |
32500 |
|
| 1973-01-02 | 10 | Cash Increase |
375000 |
37500 |
700000 |
70000 |
| 1975-01-02 | 10 | Cash Increase |
700000 |
70000 |
1400000 |
140000 |
| 1976-01-02 | 10 | Cash Increase |
750000 |
75000 |
2150000 |
215000 |
| 1979-01-02 | 10 | Cash Increase |
2075000 |
207500 |
4225000 |
422500 |
| 1981-01-02 | 10 | Cash Increase |
845000 |
84500 |
5070000 |
507000 |
| 1985-01-01 | 10 | Cash Increase |
3930000 |
393000 |
9000000 |
900000 |
| 1985-01-02 | 10 | Cash Increase |
1000000 |
100000 |
10000000 |
1000000 |
| 1990-01-02 | 10 | Increase through Incorporation of Reserves |
2000000 |
200000 |
12000000 |
1200000 |
| 1990-01-02 | 10 | Cash Increase |
5000000 |
500000 |
17000000 |
1700000 |
| 1992-01-02 | 10 | Increase through Incorporation of Reserves |
3000000 |
300000 |
20000000 |
2000000 |
| 1993-01-02 | 10 | Increase through Incorporation of Reserves |
2500000 |
250000 |
22500000 |
2250000 |
| 1993-01-02 | 10 | Cash Increase |
7500000 |
750000 |
30000000 |
3000000 |
| 1995-07-27 | 10 | Cash Increase |
7000000 |
700000 |
37000000 |
3700000 |
| 1995-07-27 | 10 | Increase through Incorporation of Reserves |
3000000 |
300000 |
40000000 |
4000000 |
| 1997-09-19 | 10 | Increase through Incorporation of Reserves |
3000000 |
300000 |
43000000 |
4300000 |
| 1997-09-19 | 10 | Cash Increase |
10000000 |
1000000 |
53000000 |
5300000 |
| 1997-09-19 | 10 | Cash Increase |
6000000 |
600000 |
59000000 |
5900000 |
| 1999-10-28 | 10 | Increase through Incorporation of Reserves |
2000000 |
200000 |
61000000 |
6100000 |
| 1997-09-19 | 10 | Cash Increase |
6500000 |
650000 |
67500000 |
6750000 |
| 2001-02-15 | 10 | Increase through Incorporation of Reserves |
2500000 |
250000 |
70000000 |
7000000 |
| 2007-06-19 | 10 | Cash Increase |
5000000 |
500000 |
75000000 |
7500000 |
| 2007-06-19 | 10 | Increase through Incorporation of Reserves |
5000000 |
500000 |
80000000 |
8000000 |
| 2007-06-19 | 10 | Capital Increase through PSO |
5000000 |
500000 |
85000000 |
8500000 |
| 2009-06-11 | 10 | Cash Increase |
7500000 |
750000 |
92500000 |
9250000 |
| 2009-06-11 | 10 | Increase through Incorporation of Reserves |
7500000 |
750000 |
100000000 |
10000000 |
| 2012-05-31 | 5 | Reduction in Nominal Value |
|
|
100000000 |
20000000 |
| 2013-03-05 | 5 | Increase through Incorporation of Reserves |
10000000 |
2000000 |
110000000 |
22000000 |
| 2013-03-05 | 5 | Cash Increase |
12220000 |
2444000 |
122220000 |
24444000 |
| 2016-06-16 | 5 | Increase through Incorporation of Reserves |
5092500 |
1018500 |
127312500 |
25462500 |
| 2016-06-16 | 5 | Increase through Incorporation of Reserves |
5092500 |
1018500 |
132405000 |
26481000 |
| 2023-10-23 | 5 | Increase through Incorporation of Reserves |
18915000 |
3783000 |
151320000 |
30264000 |
| 2023-10-28 | 5 | Increase through Incorporation of Reserves |
23280000 |
4656000 |
174600000 |
34920000 |
7. Latest publications AMEN BANK
Amen Bank - Quarterly activity reports at 30/09/2025
Amen Bank, publishes its indicators of activity relative to the 3rd quarter 2025.
Amen Bank - Quarterly activity reports at 30/09/2025
Amen Bank, publishes its indicators of activity relative to the 3rd quarter 2025.
Amen Bank - Quarterly activity reports at 30/09/2025
Amen Bank, publishes its indicators of activity relative to the 3rd quarter 2025.
8. The instruments of AMEN BANK
| Mnemonic | Label | Nature |
|---|---|---|
| AB26 | AB Da 26 3/37 | Right of allocation |
| AB | AMEN BANK | Equity |
| AB29 | AB Da 29 3/40 | Right of allocation |
| AB34 | AB Da 34 2/59 | Right of allocation |
| ABA38 | AB Da 1/27 | Right of allocation |
| ABDA7 | ABDA 1/14 11122007 | Right of allocation |
| ABDA9 | AB Da 3/37 281209 | Right of allocation |
| AB13 | AB Da 1/10 110613 | Right of allocation |
| AB16 | AB DA1/24 01082016 | Right of allocation |
| AB17 | AB DA1/25 300617 | Right of allocation |
| AB23 | AB DA 1/7 12102023 | Right of allocation |
| AB24 | AB DA 2/13 281024 | Right of allocation |
| ABS8B | AB0528 7.0%AP20 | Bond |
| ABS3C | ABSC0228 9,4%AP7-2 | Bond |
| ABS3A | AB SA0226 9% AP5PP | Bond |
| ABS3B | AB SB0226 9,2% AP5 | Bond |
| ABS1A | AB SA0428T+2.7P7-2 | Bond |
| ABS1B | AB SB0431T+2.8AP10 | Bond |
| AB3AF | ABSA1028 10.05%AP5 | Bond |
| AB3AV | ABSA1028T+2.15%AP5 | Bond |
| AB3CF | ABSC1030 10.2%P7-2 | Bond |
| AB3CV | ABSC1030T+2.3%P7-2 | Bond |
| AB3DF | ABSD1030 10.3% IF7 | Bond |
| AB3DV | ABSD1030 T+2.4%IF7 | Bond |
| ABS5A | ABSA1130T+1.65%AP5 | Bond |
| ABS5B | ABSB1132T+1.75P7-2 | Bond |