Banque de Tunisie Reports Notable Performance in Q4 2025
The fourth quarter of 2025 for Banque de Tunisie was marked by a net banking product of 148,300 Mtnd, compared to 133,765 Mtnd during the same period in 2024. The credit institution maintained an interest margin of 82,017 Mtnd, representing a 3.4% annual increase. This is a notable performance in a context where there are enormous pressures on this key part of the GDP.
Key Highlights
- Net commissions jumped by 10.6% to 22,474 Mtnd.
- Revenues from the commercial and investment portfolio yielded 43,809 Mtnd, compared to 34,143 Mtnd in 2024.
- For the entire 2025 fiscal year, the net banking product stood at 531,685 Mtnd, representing a 4.3% annual improvement.
- The interest margin decreased by 4.1% to 293,552 Mtnd, but this was offset by net commissions (83,997 Mtnd) and portfolio revenues (154,136 Mtnd).
Banking Activity
The Banque de Tunisie saw its net credit outstanding increase by 523,586 Mtnd over the year, reaching 6,590,846 Mtnd. In parallel, the net collection totaled 262,227 Mtnd, bringing the total to 6,957,655 Mtnd. The bank appears to be financing the economy more, which is the right approach. The windfall from interest rates is already beginning to fade, and institutions that grant more credit today will be able to preserve their net banking product in a few years.
Operational Costs and Profitability
Operational costs stood at 166,767 Mtnd, representing a 6.9% annual increase. The bank's profitability will be preserved for the 2025 fiscal year, with the first half already showing a net profit of 85,016 Mtnd. According to our estimates, the dividend for the fiscal year will be at least equivalent to that distributed for 2024.
