BH Bank's Q3 2025 Results: A Mixed Bag
The BH Bank has closed the third quarter of 2025 with a net banking product (PNB) of 181,597 MTND, representing a 3.6% decrease in year-over-year growth. The bank's interest margin stood at 61,476 MTND, down 31.6% compared to the same period in 2023. The impact of declining interest rates and the treatment of long-term loans granted at fixed rates is evident in the primary source of banking operating income.
Key Highlights
- The bank's loan portfolio has decreased compared to the end of 2024, standing at 10,371,971 MTND.
- The bank continues to pay a high price for its resources, with the savings remuneration rate at elevated levels.
- The deposit structure, which has evolved by 509,750 MTND since December 2024, is driven by savings deposits rather than sight deposits.
- Net commission income from products has declined by 10.7% to 34,544 MTND.
- However, the bank has been able to offset this decline thanks to investment portfolio income, which reached 85,577 MTND, representing a 43.1% increase compared to the third quarter of 2024.
Year-to-Date Performance
Since the beginning of the year, the PNB has reached 526,722 MTND, down 4.6% year-over-year. According to estimates, it is expected to exceed the 700 MTND threshold by the end of the year.
Operational Performance
Operating expenses have totaled 209,319 MTND as of the end of September 2025, up 3.2% year-over-year. Given the global context and the figures published by other banks, this represents a significant achievement.
Market Outlook
The market is closely watching the bank's performance, particularly the evolution of its risk cost, which is expected to be crucial for the bank's profitability. Investors can rely on reliable financial information, confirmed by the obtaining of the MSI 20000 certification awarded by Coficert.
