1. Company Information :
Logo société
| Company name | BH ASSURANCE |
| Date of creation | 15 september 1995 |
| Legal Form | Limited Company |
| National Company Register | C0538937 |
| Sector | Insurance |
| Special legislation | Law 92-24 of March 9, 1992, promulgating the Insurance Code and its implementing provisions. |
| Social object | The execution and management of insurance and reinsurance contracts and agreements of all kinds, as well as any other transactions or contracts that may be legally carried out by insurance companies in accordance with the legislation in force. |
| Corporate address | North Urban Centre, AFH/BC5 Housing Development, Tunis |
| Phone | +216 71 184 200 |
| Corporate Website | http://www.bh-assurance.com |
| Commercial@bh-assurance.com | |
| Listing date and listing modality | Avril 2010 |
| ISIN code | TN0006550016 |
| Market | Main Market |
| Compartment | A |
| Trading Method | Fixing |
| Trading Group | 12 |
2. Shareholder Relations Officer :
| Full Name | Phone | |
|---|---|---|
| Mr.Sami BANAOUES | Sami.Banaoues@bh-assurance.com | +216 29 996 007 |
| Ms.Nesrine CHOUCHENE | Nessrine.Chouchane@bh-assurance.com | +216 29 996 052 |
3. Administration, Management and Control
CHIEF EXECUTIVE OFFICER
Mr.Sami BANAOUES
Board of Directors
OGM-
24/04/2025
| Name or Corporate Name | Quality | Represented by | Term of mandate |
|---|---|---|---|
| Mr.Ahmed TRABELSSI | Chairman | himself | 2023 - 2025 |
| Banque de l’HABITAT | Member | Mr.Lotfi BEN HAMMOUDA | 2023 - 2025 |
| BH SICAF | Member | Mr.Mohamed MABROUK | 2023 - 2025 |
| BH - EQUITY | Member | Mr.Ali SAADLI | 2023 - 2025 |
| BH LEASING | Member | Ms.Thouraya MZOUGHI | 2023 - 2025 |
| Ms.Haifa LAARIBI | Member | himself | 2023 - 2025 |
| Mr.Radhouane ZOUARI | Member | himself | 2023 - 2025 |
| Mr.Kamel CHIBENI | Member representing minority shareholders | himself | 2023 - 2025 |
| Ms.Asma LEBERT | Member | himself | 2023 - 2025 |
| Mr.Mohamed Noureddine YAICHE | Member | himself | 2023 - 2025 |
| SPI | Member | Mr.Thameur KOUBAA | 2023 - 2025 |
| PGH | Member | Mr.Haithem BEN MOALLEM | 2024 - 2026 |
Control
External auditors
| Full Name | Term of mandate |
|---|---|
| CMC – DFK International, represented by Mr Cherif Ben Zina | 2025 - 2027 |
| PROAUDIT & CMA-Audit & Consulting Group | 2023 - 2025 |
Committees of the Board of Directors
| Committee | Committee President |
|---|---|
| Standing Audit Committee | Mr.Mohamed Noureddine YAICHE |
| Risk Management Committee | Ms.Asma LEBERT |
| Nominations and Remuneration Committee | Mr.AHMED TRABELSI |
4. Main Shareholders:
OGM-
24/04/2025
| Name or Corporate Name | Number of shares | % |
|---|---|---|
| Banque de l’habitat | 636693 | 23.93 |
| POULINA GROUP | 1003043 | 37.71 |
| BH SICAF | 248968 | 9.36 |
| BH EQUITY | 159240 | 5.99 |
| Ahmed TRABELSSI | 152249 | 5.72 |
| Haifa LAARIBI | 146265 | 5.5 |
| Shareholders holding less than 5% | 313542 | 11.79 |
| Total | 2660000 | 100 |
5. Key Indicators & Ratios:
| Key figures in DT (1) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Share capital | 13 300 000 | 13 300 000 | 13 300 000 |
| Book Value | 96 957 619 | 87 775 819 | 91 101 614 |
| Premiums issued | 89 318 956 | 83 287 316 | 78 698 054 |
| Technical Result | 11 453 654 | 13 446 832 | 13 880 222 |
| Earnings (2) | 11 013 950 | 13 306 391 | 13 306 391 |
| Dividend per share | 1.500 | 1,500 | 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) | 9.9 | 9.7 | 10.1 |
| PBR (2) | 1.3 | 1.5 | 1.7 |
| Earnings per share | 4.9531 | 5.002 | 5.002 |
| Dividend yield % | 3.1 | 2.6 | 2.2 |
(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 | 2660000 | 100 | 5 |
Capital Evolution
| Decision (EGM) | Nominal (DT) | Nature of the operation | Capital evolution | Capital in circulation | ||
|---|---|---|---|---|---|---|
| DT | Equities | DT | Equities | |||
| 1995-09-15 | 100 | Constitution de la Société |
1000000 |
10000 |
1000000 |
10000 |
| 1997-03-07 | 100 | Cash Increase |
3000000 |
30000 |
4000000 |
40000 |
| 1999-09-17 | 5 | Reduction in Nominal Value |
|
|
4000000 |
800000 |
| 2003-01-06 | 5 | Increase through Incorporation of Reserves |
2000000 |
400000 |
6000000 |
1200000 |
| 2003-01-06 | 5 | Cash Increase |
4000000 |
800000 |
10000000 |
2000000 |
| 2009-12-09 | 5 | Cash Increase |
3300000 |
660000 |
13300000 |
2660000 |
7. Latest publications BH ASSURANCE
BH ASSURANCE - General Meeting ordinary at 26/06/2020
Mesdames and the shareholders of company “BH Assurance”, BH Assurance informs you that the meeting of its Standard general meeting will take place on Friday, 26 June, 2020 at 10:00 with the seat of the company located in the Northern Centre Urban - Tunis. In addition, and within sight of the current circumstances, the meeting will be held remotely for the purpose ofdeliberating on the following agenda: …
8. The instruments of BH ASSURANCE
| Mnemonic | Label | Nature |
|---|---|---|
| BHASS | BH ASSURANCE | Equity |