1. Company Information :
Logo société
| Company name | BNA |
| Date of creation | 1 june 1959 |
| Legal Form | Limited Company |
| National Company Register | 0000123L |
| Sector | Banks |
| Special legislation | Law 2016-48 on Banks and Financial Institutions |
| Social object | Engages in banking operations as a regular occupation. |
| Corporate address | Mohamed V Avenue, 1002 Tunis |
| Phone | +216 71 831 000 |
| Corporate Website | http://www.bna.com |
| bna@bna.com.tn | |
| Listing date and listing modality | 03/10/1990 |
| ISIN code | TN0003100609 |
| Market | Main Market |
| Compartment | B |
| Trading Method | Continuous |
| Trading Group | 11 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Mr.Tarek BEN ABDALLAH | tarek.benabdallah@bna.tn | +216 94 049 039 |
3. Administration, Management and Control
Directeur Général
Mr.Ahmed BEN MOULEHEM
Board of Directors
OGM-
30/04/2025
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Mr.Lotfi HBAIEB | Chairman | himself | 2024 - 2026 |
| Mr.Mohamed BEN OTHMAN | Administrateur représentant l’Etat | himself | 2024 - 2026 |
| Ms.Imen KOUKI | Administrateur représentant l’Etat | himself | 2024 - 2026 |
| Mr.Mohamed Khaled BELLAGHA | Member | himself | 2024 - 2026 |
| Mr.Houssein MOUELHI | Administrateur représentant l’Etat | himself | 2024 - 2026 |
| Mr.Mohamed ACHOUR | Administrateur représentant l’Etat | himself | 2024 - 2026 |
| Mr.MUSTAPHA ABDELKEBIR | Administrateur représentant l’Etat | himself | 2024 - 2026 |
| Mutuelles Agricoles -CTAMA | Member | Mr.faouzi KHATAT | 2025 - 2027 |
| Ms.HOUDA MACHAT | Independent member | himself | 2024 - 2026 |
| Mr.YOUSSEF IDANI | Independent member | himself | 2025 - 2027 |
Control
State Controller :
Mr.Sami HAMMADIExternal auditors
| Full Name | Term of mandate |
|---|---|
| The CFA Firm and Wajdi GUERFALA Firm Group, represented by Mr. Fethi SAIDI | 2025 - 2027 |
| The consortium of ACB and Walid TLILI, represented by Mr. Zied KHEDIMALLAH | 2025 - 2027 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Audit Committee | Ms.Houda MACHAT |
| Risk Committee | Mr.Youssef IDANI |
| Nomination and Remuneration Committee | Mr.Lotfi HBAIEB |
| Strategy and Governance Committee | Mr.Houssein MOUEHI |
| Subsidiary Monitoring Committee | Mr.Mutapha ABDELKEBIR |
| Collection Committee | Mr.Mohamed BEN OTHMAN |
| Markets Committee | Ms.Imen KOUKI |
| Appeals Committee | Mr.Mohamed ACHOUR |
4. Main Shareholders:
OGM-
30/04/2025
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| Tunisian government | 22565045 | 35.26 |
| Shareholders holding less than 5% | 41434955 | 64.74 |
| Total | 64000000 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Share capital | 320 000 000 | 320 000 000 | 320 000 000 |
| Book Value | 2 188 321 000 | 2 035 541 000 | 1 865 475 000 |
| Net Banking Income | 1 044 281 000 | 1 047 026 000 | 946 380 000 |
| Operating income | 400 701 000 | 328 663 000 | 266 869 000 |
| Earnings (2) | 251 881 000 | 212 043 000 | 169 910 000 |
| Dividend per share | 1 | 0.9 | 0.8 |
(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) | 2.5 | 3.1 | 3.2 |
| PBR (2) | 0.3 | 0.3 | 0.3 |
| Earnings per share | 3,313171875 | 2,65484375 | 2,65484375 |
| Dividend yield % | 11.0 | 9.8 | 9.1 |
(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 | 64000000 | 100 | 5 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 1959-05-31 | Initial Capital |
400000 |
|
400000 |
|
|
| 1968-05-18 | Augmentation en Numéraire & Incorporation |
800000 |
|
1200000 |
|
|
| 1969-08-18 | Cash Increase |
400000 |
|
1600000 |
|
|
| 1974-05-25 | Augmentation en Numéraire & Incorporation |
240000 |
|
4000000 |
|
|
| 1974-04-16 | Augmentation en Numéraire & Incorporation |
2000000 |
|
10000000 |
|
|
| 1981-06-23 | Augmentation en Numéraire & Incorporation |
6000000 |
|
16000000 |
|
|
| 1985-05-25 | Augmentation en Numéraire & Incorporation |
11000000 |
|
27000000 |
|
|
| 1989-06-24 | 10 | Merger by Absorption |
10000000 |
10000000 |
33000000 |
33000000 |
| 1991-07-27 | 10 | Augmentation en Numéraire & Incorporation |
|
|
|
|
| 1991-08-30 | 10 | Increase through Incorporation of Reserves |
3000000 |
300000 |
36000000 |
3600000 |
| 1991-08-30 | 10 | Cash Increase |
14000000 |
1400000 |
50000000 |
5000000 |
| 1994-01-29 | 10 | Increase through Incorporation of Reserves |
2500000 |
250000 |
52500000 |
5250000 |
| 1994-02-15 | 10 | Cash Increase |
22500000 |
2250000 |
75000000 |
7500000 |
| 1994-12-01 | 10 | Cash Increase |
22500000 |
2250000 |
97500000 |
9750000 |
| 1995-05-02 | 10 | Increase through Incorporation of Reserves |
2500000 |
250000 |
100000000 |
10000000 |
| 2007-05-23 | 5 | Nominal Split |
0 |
10000000 |
100000000 |
20000000 |
| 2009-03-14 | 5 | Increase through Incorporation of Reserves |
10000000 |
2000000 |
110000000 |
22000000 |
| 2009-07-06 | 5 | Cash Increase |
50000000 |
10000000 |
160000000 |
32000000 |
| 2018-05-23 | 5 | Increase through Incorporation of Reserves |
16000000 |
3200000 |
176000000 |
35200000 |
| 2019-03-06 | 5 | Increase through Incorporation of Reserves |
144000000 |
28800000 |
320000000 |
64000000 |
7. Latest publications BNA
8. The instruments of BNA
| Mnemonic | Label | Nature |
|---|---|---|
| BNA | BNA | Equity |
| BNA09 | BNA Da 1/10 040509 | Right of allocation |
| BNA18 | BNA DA 1/10 200618 | Right of allocation |
| BNA19 | BNA DA 1/55 150419 | Right of allocation |