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Attijari Bank (التجاري بنك)
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Banque Attijari de Tunisie (التجاري بنك) Previous name(s) Banque du Sud Tunisie (BST) (2007) Headquarters Building Number 95, Avenue de la liberte, Belvédère Area, 1002 Tunis, Tunisia.; Tunis Capital; Tunisia |
Status: Listed Operational Status: Operational Financial Auditors: Ernst & Young (2012) Incorporation Date: July 8, 1968 Total Employees: 1,345 Tel: 216 71141400 |
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Company Description |
| Attijari Bank is founded in 1968. It is a subsidiary company of the financial group Moroccan Attijariwafa Bank. Attijari Bank is a commercial bank. The Bank operates a network of 93 offices across Tunisia. It also offers remote banking facilities via telephone and Internet. The Bank provides a range of financial products and services including current accounts, savings accounts, credit and debit facilities, loans and insurance products. These services are tailored to suit the Bank's three types of | ||
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Company Analysis |
| According to the Individual - Audited financial statement for the Year of 2010, total net operating revenues increased with 12.87%, from TND 234,396 thousands to TND 264,552 thousands. Operating result increased from TND 46,974 thousands to TND 66,612 thousands which means 41.81% change. The results of the period increased 29.38% reaching TND 60,572 thousands at the end of the period against TND 46,818 thousands last year. Return on equity (Net income/Total equity) went from 19.44% to 19.96%, the Return On Asset (Net income / Total Asset) went from 1.35% to 1.57% and the Net Profit Margin (Net Income/Net Sales) went from 19.97% to 22.90% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 1173.65% compared to 1343.97% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 1.03 to 0.98 when compared to the previous year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2011 Y (non-cons) |
2010 Y (non-cons) |
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| Audited | Audited | |
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| Finglobe - MENA Spread Financial Statements | Finglobe - MENA Spread Financial Statements | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
4,165,576 |
3,864,850 |
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Current Assets |
3,787,368 |
3,498,762 |
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Total Liabilities |
3,817,541 |
3,561,403 |
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Shareholders Equity |
348,035 |
303,447 |
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Current Liabilities |
3,723,583 |
3,561,403 |
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| * All the accounts are in TND. | ||
Income Statement
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Total Operating Revenue |
289,345 |
264,552 |
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Operational Profit (Loss) |
49,297 |
66,612 |
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Net Profit (Loss) |
31,521 |
60,572 |
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| * All the accounts are in TND. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
0.76% |
1.57% |
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Annualised Return on Assets (ROA) |
0.76% |
1.57% |
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Return on Equity (ROE) |
9.06% |
19.96% |
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Annualised Return on Equity (ROE) |
10.39% |
25.15% |
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Return on Sales (ROS) |
10.89% |
22.9% |
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Return on Capital |
11.15% |
21.95% |
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Gross Profit Margin |
100% |
100% |
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Operating Profit Margin |
17.04% |
25.18% |
| Efficiency Ratios | ||
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Current asset turnover |
0.08x |
0.08x |
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Fixed-asset turnover |
0.77x |
0.72x |
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Asset Turnover |
0.07x |
0.07x |
| Valuation figures and ratios | ||
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Earning Before Interests and Taxes (EBIT) |
49,297 |
66,612 |
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EBITDA |
61,199 |
78,079 |
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Enterprise value |
3,902,517 |
3,879,769 |
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Enterprise Value / EBITDA |
63.77 |
49.69 |
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Bookvalue (BV) |
348,035 |
303,447 |
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Net Cash |
-3,341,817 |
-3,226,369 |
| Liquidity Ratios | ||
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Current Ratio |
101.71% |
98.24% |
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Quick ratio |
101.71% |
98.24% |
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Doom's day ratio |
12.78% |
9.41% |
| Leverage Ratios | ||
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Leverage ratio |
1,196.88% |
1,273.65% |
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Debt to equity |
1,096.88% |
1,173.65% |
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Debt to total assets |
91.64% |
92.15% |
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Long Term Debt to Capital |
21.26% |
0% |
| Market ratios | ||
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Market Capitalization/EBITDA |
9.16 |
8.37 |
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Market Cap / Net cash |
-0.17 |
-0.20 |
| Trend Ratios | ||
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Revenue Trend |
109.37% |
112.87% |
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Net Income Trend |
52.04% |
129.38% |
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Operating Income Trend |
74.01% |
141.81% |
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