Banque de Tunisie (XTUN:BT) Net Loan: TND6,549.8 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTUN:BT Banque de Tunisie SA XTUN:BT
100 GF Score
Price TND8.90
GF Value TND5.98
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Banque de Tunisie Net Loan?

Banque de Tunisie XTUN:BT +0.11% 100 Net Loan is TND6,549.8 Mil as of Dec. 2025. GuruFocus rates XTUN:BT with a GF Score™ of 100/100 and a GF Value™ of TND5.98 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Banque de Tunisie's quarterly net loan increased from Dec. 2023 (TND5,771.3 Mil) to Dec. 2024 (TND6,057.1 Mil) and increased from Dec. 2024 (TND6,057.1 Mil) to Dec. 2025 (TND6,549.8 Mil).

Banque de Tunisie's annual net loan increased from Dec. 2023 (TND5,771.3 Mil) to Dec. 2024 (TND6,057.1 Mil) and increased from Dec. 2024 (TND6,057.1 Mil) to Dec. 2025 (TND6,549.8 Mil).

Banque de Tunisie Net Loan Historical Data

* Premium members only.

The historical data trend for Banque de Tunisie's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banque de Tunisie Net Loan Chart

Banque de Tunisie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,760.91 5,039.59 5,771.30 6,057.08 6,549.78

Banque de Tunisie Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 4,760.91 5,039.59 5,771.30 6,057.08 6,549.78
XTUN:BT
100GF Score
Banque de Tunisie SA XTUN:BT
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banque de Tunisie Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of TND6,549.8 Mil mean?
Banque de Tunisie (XTUN:BT) has a Net Loan of TND6,549.8 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Banque de Tunisie and its competitors.
Is Banque de Tunisie's Net Loan too high?
Banque de Tunisie's current Net Loan is TND6,549.8 Mil. Overall, Banque de Tunisie has a GF Score™ of 100/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque de Tunisie's Net Loan compare to PNC and USB?
Banque de Tunisie's Net Loan of TND6,549.8 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banque de Tunisie and its competitors. Banque de Tunisie's current Net Loan is TND6,549.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque de Tunisie stock overvalued right now?
Based on GuruFocus' analysis, Banque de Tunisie (XTUN:BT) is currently considered Significantly Overvalued. The stock's GF Value™ is TND5.98, compared to a current price of TND8.90 — trading 48.8% above its estimated fair value. The current Net Loan is TND6,549.8 Mil. Banque de Tunisie's overall GF Score™ is 100/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current Net Loan is TND6,549.8 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banque de Tunisie (XTUN:BT) Overvalued in 2026?

Based on GuruFocus' analysis, Banque de Tunisie stock appears to be overvalued. The current stock price of TND8.90 is trading 48.8% above its estimated GF Value™ of TND5.98. GuruFocus considers Banque de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BT:

  • Net Loan: TND6,549.8 Mil
  • GF Value™: TND5.98 vs. price of TND8.90 (48.8% above fair value)
  • GF Score™: 100/100 with 6 warning signs

No single metric tells the full story. See the XTUN:BT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banque de Tunisie Business Description

Address 2, Rue Turkey, Tunis, TUN, 1001
Banque de Tunisie SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
100GF Score

Get the complete analysis for XTUN:BT

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND8.90
Price
TND5.98
GF Value