BNA Bank Reports Strong Performance in the First Half of 2026
The BNA Bank has confirmed its good form at the end of the first half of 2026. Customer deposits have shown a remarkable increase of 18.8% over the past year, reaching 15,387,551 MDT. This dynamic is largely due to the surge in sight deposits, which have jumped by 27.0% to 4,734,116 MDT. Meanwhile, savings deposits have maintained a steady upward trend, with an increase of 8.8% to 4,838,129 MDT. This trend contributes to reducing the share of high-cost resources.
Credit Activity
On the credit side, the BNA has maintained a prudent approach to credit distribution. The net outstanding balance of customer claims stood at 14,515,906 MDT at the end of June 2026, recording a moderate growth of 4.8% over twelve months.
Investment Portfolio
In parallel, the bank has strengthened its securities portfolio, which has grown by 9.1% to exceed 9,777 MDT, mainly driven by new subscriptions to Treasury bills (BTA). This explains the level of portfolio income, which totaled 415,957 MDT, representing 74.4% of the bank's net banking income for the first half of the year. The interest margin stood at 63,237 MDT, down from 84,174 MDT recorded in the same period in 2025.
Operational Efficiency
In terms of operational efficiency, costs have seen a contained increase of 4.4%, standing at 208,541 MDT. The payroll has been particularly well-controlled, evolving by only 3.4% to 146,566 MDT, while general operating expenses have risen by 9.2% to 55,346 MDT.
Outlook
The published figures are promising for the semi-annual results, which, barring any exceptional provisioning, will show an increase.
