|
Company data displayed is for sample purposes only and may not reflect the most current information available on Emerging Markets Information Service (EMIS).
Banque de l'Habitat (بنك الإسكان)
Main Activities: Banking and Credit Intermediation
 |
Please check the full coverage of information what EMIS can offer you. | SEE SAMPLE |
Company Information |
|
Full name Banque de l'Habitat (بنك الإسكان) Headquarters P.O. Box 242, 21 Avenue Kheireddine Pacha, Belvedere Area, Tunisia 1002.; Tunis Capital; Tunisia |
Status: Listed Operational Status: Operational Financial Auditors: KPMG (2012) Incorporation Date: May 30, 1989 Total Employees: 1,931 Tel: 216 71110000 |
|
Company Description |
|
Established on 1989, BH is a financial institution that offers a wide range of products and services. Its activity is focused on real estate. BH was listed on the Tunisian Stock Market Dec. 14, 1992. |
Company Analysis |
| According to the Individual - Audited financial statement for the Year of 2011, total net operating revenues decreased with -1.53%, from TND 322,614 thousands to TND 317,689 thousands. Operating result decreased from TND 40,723 thousands to TND 19,466 thousands which means -52.20% change. The results of the period decreased -56.34% reaching TND 14,231 thousands at the end of the period against TND 32,592 thousands last year. Return on equity (Net income/Total equity) went from 7.57% to 3.22%, the Return On Asset (Net income / Total Asset) went from 0.62% to 0.26% and the Net Profit Margin (Net Income/Net Sales) went from 10.10% to 4.48% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 1139.55% compared to 1130.45% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 1.20 to 1.20 when compared to the previous year. |
Key Executives |
|
|||||
|
|||||
|
|||||
|
|||||
|
|||||
Companies with Similar Main Activities |
FULL COMPANY PROFILE
|
|
2011 Y (non-cons) |
2010 Y (non-cons) |
|
 | ||
| Audited | Audited | |
| ||
| Finglobe - MENA Spread Financial Statements | Finglobe - MENA Spread Financial Statements | |
| ||
| Unit | Thousands | Thousands |
| ||
Balance Sheet
| ||
Total Assets |
5,470,535 |
5,295,689 |
| ||
Current Assets |
5,061,828 |
4,854,552 |
| ||
Total Liabilities |
5,029,201 |
4,865,302 |
| ||
Shareholders Equity |
441,334 |
430,387 |
| ||
Current Liabilities |
4,201,558 |
4,049,315 |
| ||
| * All the accounts are in TND. | ||
Income Statement
| ||
Total Operating Revenue |
317,689 |
322,614 |
| ||
Operational Profit (Loss) |
19,466 |
40,723 |
| ||
Net Profit (Loss) |
14,231 |
32,592 |
| ||
| * All the accounts are in TND. | ||
Ratios
| Profitability Ratios | ||
| ||
Return on Assets (ROA) |
0.26% |
0.62% |
| ||
Annualised Return on Assets (ROA) |
0.26% |
0.62% |
| ||
Return on Equity (ROE) |
3.22% |
7.57% |
| ||
Annualised Return on Equity (ROE) |
3.31% |
7.93% |
| ||
Return on Sales (ROS) |
4.48% |
10.1% |
| ||
Return on Capital |
1.53% |
3.27% |
| ||
Gross Profit Margin |
100% |
100% |
| ||
Operating Profit Margin |
6.13% |
12.62% |
| Efficiency Ratios | ||
| ||
Current asset turnover |
0.06x |
0.07x |
| ||
Fixed-asset turnover |
0.78x |
0.73x |
| ||
Asset Turnover |
0.06x |
0.06x |
| Valuation figures and ratios | ||
| ||
Earning Before Interests and Taxes (EBIT) |
19,466 |
40,723 |
| ||
EBITDA |
94,385 |
113,505 |
| ||
Enterprise value |
5,139,547 |
5,301,479 |
| ||
Enterprise Value / EBITDA |
54.45 |
46.71 |
| ||
Bookvalue (BV) |
441,334 |
430,387 |
| ||
Net Cash |
-4,815,547 |
-4,771,199 |
| Liquidity Ratios | ||
| ||
Current Ratio |
120.48% |
119.89% |
| ||
Quick ratio |
120.48% |
119.89% |
| ||
Doom's day ratio |
5.09% |
2.32% |
| Leverage Ratios | ||
| ||
Leverage ratio |
1,239.55% |
1,230.45% |
| ||
Debt to equity |
1,139.55% |
1,130.45% |
| ||
Debt to total assets |
91.93% |
91.87% |
| ||
Long Term Debt to Capital |
65.22% |
65.47% |
| Market ratios | ||
| ||
Market Capitalization/EBITDA |
3.43 |
4.67 |
| ||
Market Cap / Net cash |
-0.07 |
-0.11 |
| Trend Ratios | ||
| ||
Revenue Trend |
98.47% |
105.29% |
| ||
Net Income Trend |
43.66% |
61.2% |
| ||
Operating Income Trend |
47.8% |
61.9% |
| ||
 |