1. Company Information :
Logo société
| Company name | STB |
| Date of creation | 18 january 1957 |
| Legal Form | Limited Company |
| National Company Register | A0001237 |
| Sector | Banks |
| Special legislation | Law 2016-48 on Banks and Financial Institutions |
| Social object | Engages in banking operations as a regular occupation. |
| Corporate address | Hédi NOUIRA Street - 1001 Tunis |
| Phone | +216 71 340 477 |
| Corporate Website | http://www.stb.com.tn/ |
| stb@stb.com.tn | |
| Listing date and listing modality | 03/10/1990 |
| ISIN code | TN0002600955 |
| Market | Main Market |
| Compartment | B |
| Trading Method | Continuous |
| Trading Group | 11 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Mr.HANNACHI HAMDA | h.hanachi@stb.com.tn | +216 98 334 936 |
3. Administration, Management and Control
Directeur général
Mr.Rachid BATITA.
Board of Directors
OGM-
30/04/2025
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Ms.Raoudha BEJAOUI | Chairman | himself | 2024 - 2026 |
| Tunisian State | Member | Mr.Ezzeddine CHERIF | 2024 - 2026 |
| Tunisian State | Member | Mr.Atef MAJDOUB | 2024 - 2026 |
| Tunisian State | Member | Mr.Salah BEN HAMAD | 2024 - 2026 |
| Tunisian State | Member | Ms.Souhir TAKTAK | 2024 - 2026 |
| Tunisian State | Member | Ms.Nejla BEN ABDALLAH | 2025 - 2027 |
| Tunisian State | Member | Ms.Moufida ALOUI | 2025 - 2027 |
| Société Tunisienne d’Assurances et de Réassurances -STAR | Member | Mr.Hassen FEIKI | 2025 - 2027 |
| Mr.Mohamed Lassaad MZAH | Member | himself | 2024 - 2026 |
| Mr.Mohamed Salah HMAIDI | Member representing minority shareholders | himself | 2024 - 2026 |
| Mr.Zied BOUDRIGA | Member | himself | 2025 - 2027 |
| Mr.Mohamed JILANI BEJI | Member | himself | 2025 - 2027 |
Control
State Controller :
Mr.Mahmoud MontacerExternal auditors
| Full Name | Term of mandate |
|---|---|
| Cabinet GEM" représenté par Monsieur Abderrazek GABSI | 2023 - 2025 |
| Groupement "Exacom Audit" & "MAC" représenté par Monsieur Abderrazek SOUII | 2023 - 2025 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Strategic Committee and Governance of Subsidiaries and Affiliates | Mr. Atef MAJDOUB |
| Audit Committee | Mr.Zied BOUDRIGUA |
| Risk Committee | Mr.Mohamed Jilani BEJI |
| Nomination and Remuneration Committee | Mr.Salah BEN HAMAD |
| Senior Resolution Committee | Ms.Souhir TAKTAK |
| Market Commission | Ms.Moufida Aloui |
4. Main Shareholders:
OGM-
30/04/2025
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| Tunisian state | 111160004 | 71.54 |
| CNSS | 8838977 | 5.69 |
| Shareholders holding less than 5% | 35376019 | 22.77 |
| Total | 155375000 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Share capital | 776 875 000 | 776 875 000 | 776 875 000 |
| Book Value | 1 419 547 000 | 1 315 579 000 | 1 356 233 000 |
| Net Banking Income | 689 336 000 | 714 678 000 | 728 700 000 |
| Operating income | 151 389 000 | 138 211 000 | 205 964 000 |
| Earnings (2) | 103 304 000 | 59 694 000 | 99 732 000 |
| 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) | 9.0 | 5.8 | 4.6 |
| PBR (2) | 0.4 | 0.4 | 0.5 |
| Earnings per share | 0,329576830249397 | 0,329576830249397 | 0,639639581657281 |
| 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 | 155375000 | 100 | 5 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 1957-01-18 | 5 | Initial Capital |
|
|
10000 |
2000 |
| 1957-10-09 | 5 | Cash Increase |
390000 |
78000 |
400000 |
80000 |
| 1960-06-26 | 5 | Cash Increase |
600000 |
120000 |
1000000 |
200000 |
| 1964-06-28 | 5 | Increase through Incorporation of Reserves |
1000000 |
200000 |
2000000 |
400000 |
| 1973-05-05 | 5 | Increase through Incorporation of Reserves |
2000000 |
400000 |
4000000 |
800000 |
| 1978-05-20 | 5 | Increase through Incorporation of Reserves |
4000000 |
800000 |
8000000 |
1600000 |
| 1981-10-17 | 5 | Increase through Incorporation of Reserves |
4000000 |
800000 |
12000000 |
2400000 |
| 1981-10-17 | 5 | Cash Increase |
8000000 |
1600000 |
20000000 |
4000000 |
| 1986-01-25 | 5 | Increase through Incorporation of Reserves |
4000000 |
800000 |
24000000 |
4800000 |
| 1986-01-25 | 5 | Cash Increase |
6000000 |
1200000 |
30000000 |
6000000 |
| 1990-06-30 | 5 | Increase through Incorporation of Reserves |
4000000 |
800000 |
34000000 |
6800000 |
| 1990-06-30 | 5 | Cash Increase |
6000000 |
1200000 |
40000000 |
8000000 |
| 1990-06-30 | 5 | Cash Increase |
8000000 |
1600000 |
48000000 |
9600000 |
| 1990-06-30 | 5 | Increase through Incorporation of Reserves |
2000000 |
400000 |
50000000 |
10000000 |
| 1992-06-27 | 5 | Cash Increase |
15000000 |
3000000 |
65000000 |
13000000 |
| 1994-04-27 | 5 | Cash Increase |
15000000 |
3000000 |
80000000 |
16000000 |
| 2000-11-04 | 5 | Merger by Absorption |
44300000 |
8860000 |
124300000 |
24860000 |
| 2015-06-03 | 5 | Cash Increase |
652575000 |
130515000 |
776875000 |
155375000 |
8. The instruments of STB
| Mnemonic | Label | Nature |
|---|---|---|
| STB | STB | Equity |
| STB8D | STB0533 T+2.0%AP25 | Bond |
| S91CF | STB SC1126 11%P7-2 | Bond |
| S20CF | STB SC0427 11%P7-2 | Bond |
| STB8C | STB0528T+1.75%AP20 | Bond |
| SB91D | STBSD1126 11,5%IF7 | Bond |
| S91CV | STBSC1126T+2.8P7-2 | Bond |
| S21AF | STBSA0127 8.7% AP5 | Bond |
| S21AV | STBSA0127T+2.3%AP5 | Bond |
| S21BV | STBSB0127T+2.55IF5 | Bond |
| S21CV | STBSC0127T+2.7%AP5 | Bond |
| S21DF | STBSD0127 9.35%IF5 | Bond |
| S21EF | STBSE0127 8.7% AP5 | Bond |
| S21BF | STBSB0127 8.95%IF5 | Bond |
| S21CF | STBSC0127 9.1% AP5 | Bond |