Recent Activity Indicators: A Nuanced Situation for BH Bank
The latest activity indicators published on January 20, 2026, by BH Bank reveal a mixed situation: while the bank continues to attract massive savings from Tunisians, it must cope with increasing pressure on its margins and operating costs.
A Vote of Confidence for Savings
The strong point of this end of 2025 is undoubtedly the renewed confidence of customers. With a spectacular increase of over 11% in deposits, the bank proves that it remains a safe haven for national savings.
Credits in Slight Decline
In contrast, the financing tap seems to have tightened somewhat. The outstanding credits show a decline of 2.3% (10,336 Mtnd). This slowdown reflects a strategic caution:
- From the bank's side: A desire to better filter applications to limit risks.
- From the clients' side: A weakening of demand from households and businesses.
Profitability Under Pressure
The overall financial performance is affected. The Net Banking Product (PNB), a key indicator of activity, erodes by 2.8% and falls below the 700 Mtnd threshold.
