International Leasing Company (CIL) Releases 2025 Financial Statements
The International Leasing Company (CIL) has published its individual financial statements for the year ended December 31, 2025, which will be submitted for approval at the Ordinary General Assembly on April 16, 2026. The year 2025 saw a significant improvement in profitability and a strengthened financial structure, amidst a dynamic commercial activity context.
Key Financial Highlights
- The CIL reported a net income of 21,383 MTND, up 7.7% from 19,862 MTND in 2024.
- The operating result before provisions increased by 8.1% to 34,039 MTND, compared to 31,476 MTND the previous year.
- Net income, the primary indicator of activity, grew by 9.5% to 49,309 MTND.
- Earnings per share stood at 3,153 TND, compared to 2,947 TND in 2024.
Investment and Portfolio Growth
- New investments in leasing contracts reached 426,842 MTND for the year, an increase from 414,305 MTND in 2024.
- The total financial outstandings of contracts in force rose to 636,384 MTND as of December 31, 2025, representing a 5.4% year-over-year increase.
- The growth in outstandings logically translated into higher revenues, with leasing interest and similar income reaching 90,967 MTND, while interest expenses remained relatively stable at 48,093 MTND.
- The loan portfolio is concentrated in the commerce and services (219,332 MTND) and tourism (215,789 MTND) sectors, which account for 68.3% of the total outstandings.
Portfolio Quality and Sustainability
- The quality of the loan portfolio remains a key factor in sustaining profitability, with a non-performing assets ratio of 8.17% of total outstandings.
- The coverage rate of these assets by provisions and reserved products stood at 61.01%, slightly down from 63.27% in 2024.
- The CIL's 2025 results are robust, confirming its status as a top choice for those looking to build a portfolio of financial stocks.
