Union Internationale de Banques (XTUN:UIB) Net Loan: TND6,874.8 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:UIB Union Internationale de Banques SA XTUN:UIB
82 GF Score
Price TND37.40
GF Value TND24.75
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Union Internationale de Banques Net Loan?

Union Internationale de Banques XTUN:UIB +1.36% 82 Net Loan is TND6,874.8 Mil as of Dec. 2025. GuruFocus rates XTUN:UIB with a GF Score™ of 82/100 and a GF Value™ of TND24.75 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Union Internationale de Banques's quarterly net loan declined from Dec. 2023 (TND6,787.0 Mil) to Dec. 2024 (TND6,750.4 Mil) but then increased from Dec. 2024 (TND6,750.4 Mil) to Dec. 2025 (TND6,874.8 Mil).

Union Internationale de Banques's annual net loan declined from Dec. 2023 (TND6,787.0 Mil) to Dec. 2024 (TND6,750.4 Mil) but then increased from Dec. 2024 (TND6,750.4 Mil) to Dec. 2025 (TND6,874.8 Mil).

Union Internationale de Banques Net Loan Historical Data

* Premium members only.

The historical data trend for Union Internationale de Banques'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.

Union Internationale de Banques Net Loan Chart

Union Internationale de Banques 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 5,995.68 6,446.70 6,786.98 6,750.43 6,874.83

Union Internationale de Banques 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 5,995.68 6,446.70 6,786.98 6,750.43 6,874.83
XTUN:UIB
82GF Score
Union Internationale de Banques SA XTUN:UIB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Union Internationale de Banques 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 TND6,874.8 Mil mean?
Union Internationale de Banques (XTUN:UIB) has a Net Loan of TND6,874.8 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Union Internationale de Banques and its competitors.
Is Union Internationale de Banques' Net Loan too high?
Union Internationale de Banques' current Net Loan is TND6,874.8 Mil. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Net Loan compare to PNC and USB?
Union Internationale de Banques' Net Loan of TND6,874.8 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 Union Internationale de Banques and its competitors. Union Internationale de Banques's current Net Loan is TND6,874.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Significantly Overvalued. The stock's GF Value™ is TND24.75, compared to a current price of TND37.40 — trading 51.1% above its estimated fair value. The current Net Loan is TND6,874.8 Mil. Union Internationale de Banques' overall GF Score™ is 82/100 with 5 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 Union Internationale de Banques (XTUN:UIB), the current Net Loan is TND6,874.8 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued. The current stock price of TND37.40 is trading 51.1% above its estimated GF Value™ of TND24.75. GuruFocus considers Union Internationale de Banques to be Significantly Overvalued.

Key valuation signals for XTUN:UIB:

  • Net Loan: TND6,874.8 Mil
  • GF Value™: TND24.75 vs. price of TND37.40 (51.1% above fair value)
  • GF Score™: 82/100 with 5 warning signs

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

Union Internationale de Banques Business Description

Address 65 Avenue Habib Bourguiba, Tunis, TUN
Union Internationale de Banques SA is engaged in providing banking services to individuals and businesses, companies and institutions.
82GF Score

Get the complete analysis for XTUN:UIB

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

TND37.40
Price
TND24.75
GF Value