Tunisian Banking Sector Continues to Consolidate
The Tunisian banking sector is pursuing its consolidation, supported by improved profitability of operating activities, an increase in net banking products, and a progressive control of risk costs. Listed banks have strengthened their equity and, for the majority, display increased financial solidity despite a still tense economic environment.
Positive Half-Year Results for 2025
The half-year results for 2025 confirm this positive trend. According to the financial statements of listed banks published by L'Économiste Maghrébin – Spécial Finance 2025, BIAT maintains its leading position with a net result of 246.08 million dinars, up from 219.74 million recorded at the end of June 2024. The National Agricultural Bank (BNA) follows with 137.3 million dinars, compared to 91.7 million a year earlier, representing a growth of over 49%. Amen Bank ranks third with 130.9 million dinars, also up from the 124.6 million achieved in June 2024.
Rankings and Performance
- Attijari Bank occupies the fourth place with 116.2 million dinars, recording a slight decline compared to 2024 (120.4 million dinars).
- The Bank of Tunisia confirms its stability with 85 million dinars, compared to 81.2 million the previous year, representing a growth of nearly 4.7%.
- BH Bank, on the other hand, falls back to 54.3 million dinars, compared to 77.6 million a year earlier.
Other Establishments
Among other institutions:
- The UIB shows a significant progression, moving from 33.3 million to 49 million dinars, representing an improvement of 47%.
- The STB also records a positive performance with 22.3 million dinars, compared to 14.4 million in 2024, while the UBCI reaches 27.4 million dinars, with a slight increase.
Challenges and Declines
On the other hand, some banks are experiencing an erosion of their profitability:
- The ATB drops to 2.6 million dinars, compared to 12.4 million a year earlier.
- Wifak International Bank remains stable at 2.1 million dinars.
- The BTE remains deficit, but reduces its losses to -5.45 million dinars, after -11.29 million in 2024.
Overall Assessment
Overall, the mid-2025 results reflect a consolidation of the sector's profitability, driven by the performance of the major banks and prudent risk management. However, the disparities between institutions highlight the need for continuous adaptation to market challenges, particularly in terms of digitalization, SME financing, and cost control.
