1. Company Information :
Logo société
| Company name | UBCI |
| Date of creation | 1 december 1961 |
| Legal Form | Limited Company |
| National Company Register | B 1932 1997 |
| Sector | Banks |
| Special legislation | Law 2016-48 on Banks and Financial Institutions |
| Social object | Engages in banking operations as a regular occupation. |
| Corporate address | 139, Liberty Avenue – 1002 Tunis - Belvédère |
| Phone | +216 39 100 000 |
| Corporate Website | http://www.ubci.tn |
| ubcibanqueprivee@unbci.tn | |
| Listing date and listing modality | Septembre 1990 |
| ISIN code | TN0002400505 |
| Market | Main Market |
| Compartment | B |
| Trading Method | Fixing |
| Trading Group | 12 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Ms.Nouira Sana | sana.nouira@ubci.com.tn | +216 29 990 967 |
3. Administration, Management and Control
Chief Executive Officer
Mr.Mohamed KOUBAA
Board of Directors
OGM-
29/04/2025
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Mr.Hassine DOGHRI | Chairman | himself | 2025 - 2027 |
| Mr.Hakim DOGHRI | Member | himself | 2023 - 2025 |
| Ms.Laureen KOUASSI-OLSSON | Independent member | himself | 2025 - 2027 |
| Ms.Sonia BOURICHA | Member | himself | 2025 - 2027 |
| SERENITY CAPITAL FINANCE HOLDING | Member | Mr.Mehdi BOUHAOUALA | 2023 - 2025 |
| Mr. Slim ZEGHAL | Independent member | himself | 2023 - 2025 |
| MENINX HOLDING | Member | Ms.Mongia CHABLY | 2024 - 2026 |
| Ms. Faiza BEN MESSAOUD ép. FEKI | Independent member | himself | 2024 - 2026 |
| Mr.Radhi MEDDDEB | Member | himself | 2024 - 2026 |
| STRAMICA | Member | Mr.Khaled SELLAMI | 2023 - 2025 |
| Ms.Samia KAROUI ép. ZOUAOUI | Independent member | himself | 2024 - 2026 |
Control
External auditors
| Full Name | Term of mandate |
|---|---|
| AMC Ernst & Young Firm, represented by Mr Noureddine HAJJI | 2024 - 2026 |
| DATN (Deloitte) Firm represented by Mr Tarek SAHLI | 2024 - 2026 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Audit Committee | Ms.Faiza FEKI |
| Risk Committee | Ms.Samia ZOUAOUI |
| Nomination and Remuneration Committee | Mr.Radhi MEDDEB |
4. Main Shareholders:
OGM-
29/04/2025
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| CARTE GROUP | 7902638 | 39.51 |
| BNP PARIBAS – IRB PARTICIPATIONS | 2217766 | 11.09 |
| TAMARZISTE Group | 2589105 | 12.95 |
| SELLAMI Group | 1897468 | 9.49 |
| Other shareholders holding less than 5% | 5394552 | 26.96 |
| Total | 20001529 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Share capital | 100 008 000 | 100 008 000 | 100 008 000 |
| Book Value | 556 941 000 | 529 920 000 | 501 442 000 |
| Net Banking Income | 321 657 000 | 302 878 000 | 295 017 000 |
| Operating income | 90 345 000 | 83 134 000 | 98 631 000 |
| Earnings (2) | 54 985 000 | 53 358 000 | 59 725 000 |
| Dividend per share | 1,250 | 1,250 | 1,250 |
(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) | 8.1 | 7.5 | 14.4 |
| PBR (2) | 0.9 | 0.9 | 1 |
| Earnings per share | 2,66769605463662 | 2,66769605463662 | 2,98602171863961 |
| Dividend yield % | 5.8 | 5.6 | 3.4 |
(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 | 20001529 | 100 | 5 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 1961-01-01 | 5 | Initial Capital |
250000 |
50000 |
250000 |
50000 |
| 1963-05-10 | 5 | Cash Increase |
50000 |
10000 |
300000 |
60000 |
| 1967-11-25 | 5 | Increase through Incorporation of Reserves |
200000 |
40000 |
500000 |
100000 |
| 1967-11-25 | 5 | Cash Increase |
100000 |
20000 |
600000 |
120000 |
| 1969-12-15 | 5 | Increase through Incorporation of Reserves |
400000 |
80000 |
1000000 |
200000 |
| 1969-12-15 | 5 | Cash Increase |
650000 |
130000 |
1650000 |
330000 |
| 1970-01-16 | 5 | Merger by Absorption |
76875 |
15375 |
1726875 |
345375 |
| 1970-01-16 | 5 | Réduction de capital |
75375 |
15075 |
1651500 |
330300 |
| 1976-05-19 | 5 | Cash Increase |
848500 |
169700 |
2500000 |
500000 |
| 1976-06-17 | 5 | Increase through Incorporation of Reserves |
250000 |
50000 |
2750000 |
550000 |
| 1980-10-27 | 5 | Increase through Incorporation of Reserves |
250000 |
50000 |
3000000 |
600000 |
| 1980-10-27 | 5 | Cash Increase |
500000 |
100000 |
3500000 |
700000 |
| 1981-05-20 | 5 | Increase through Incorporation of Reserves |
875000 |
175000 |
4375000 |
875000 |
| 1981-05-20 | 5 | Cancellation of Shares |
625000 |
125000 |
5000000 |
1000000 |
| 1985-10-01 | 5 | Increase through Incorporation of Reserves |
1250000 |
250000 |
6250000 |
1250000 |
| 1985-10-01 | 5 | Cash Increase |
1250000 |
250000 |
7500000 |
1500000 |
| 1986-10-01 | 5 | Increase through Incorporation of Reserves |
1250000 |
250000 |
8750000 |
1750000 |
| 1986-10-01 | 5 | Cash Increase |
1250000 |
250000 |
10000000 |
2000000 |
| 1989-06-12 | 5 | Increase through Incorporation of Reserves |
1250000 |
250000 |
11250000 |
2250000 |
| 1989-06-12 | 5 | Cash Increase |
1250000 |
250000 |
12500000 |
2500000 |
| 1991-10-01 | 5 | Increase through Incorporation of Reserves |
1250000 |
250000 |
13750000 |
2750000 |
| 1991-10-01 | 5 | Cash Increase |
1250000 |
250000 |
15000000 |
3000000 |
| 1993-10-31 | 5 | Increase through Incorporation of Reserves |
2500000 |
500000 |
17500000 |
3500000 |
| 1993-10-31 | 5 | Cash Increase |
2500000 |
500000 |
20000000 |
4000000 |
| 1994-10-31 | 5 | Increase through Incorporation of Reserves |
2500000 |
500000 |
22500000 |
4500000 |
| 1994-10-31 | 5 | Cash Increase |
2500000 |
500000 |
25000000 |
5000000 |
| 1995-06-20 | 5 | Increase through Incorporation of Reserves |
2500000 |
500000 |
27500000 |
5500000 |
| 1995-06-20 | 5 | Cash Increase |
2500000 |
500000 |
30000000 |
6000000 |
| 2000-05-10 | 5 | Increase through Incorporation of Reserves |
5000000 |
1000000 |
35000000 |
7000000 |
| 2004-05-18 | 5 | Increase through Incorporation of Reserves |
15000000 |
3000000 |
50000000 |
10000000 |
| 2010-06-25 | 5 | Increase through Incorporation of Reserves |
25000000 |
5000000 |
75000000 |
15000000 |
| 2010-12-29 | 5 | Merger by Absorption |
759030 |
151806 |
75759030 |
15151806 |
| 2013-07-26 | 5 | Cash Increase |
4734935 |
946987 |
80493965 |
16098793 |
| 2013-07-26 | 5 | Increase through Incorporation of Reserves |
19513680 |
3902736 |
100007645 |
20001529 |
7. Latest publications UBCI
UBCI - General Meeting ordinary at 26/04/2018
My ladies and the Shareholders of the UNION BANCAIRE POUR LE COMMERCE ET L’INDUSTRIE are convened as a Standard general meeting the Thursday 26/04/2018 at 9 a.m. with the hotel “Paris” with the Banks of the Lake in Tunis, for the purpose of deliberating on the following agenda: ….
8. The instruments of UBCI
| Mnemonic | Label | Nature |
|---|---|---|
| UBCI | UBCI | Equity |
| UBC00 | UBCI Da 1/6 010900 | Right of allocation |
| UBC04 | UBCI Da 3/7 010704 | Right of allocation |
| UBC10 | UBCI Da 1/2 150710 | Right of allocation |
| UBC13 | UBCI Da8/33 141013 | Right of allocation |
| UBS5A | UBCIS1130 9.30%AP5 | Bond |
| UBS5C | UBCIS1132 9.4%P7-2 | Bond |