BIAT Reaffirms Leadership at the End of the First Half of 2026
At the end of the first half of 2026, BIAT reaffirmed its leadership. The Net Banking Product (PNB) stood at 802,723 MDT, showing a 1.9% increase in annual growth.
Breakdown of Net Banking Product
The structure of the PNB highlights the significant weight of revenue from securities portfolios and financial operations, which amounts to 399,481 MDT (+8.5% in annual rate) and represents 49.8% of the total PNB. The commission margin contributes 144,875 MDT (18% of PNB), marking a 7.7% increase, while the interest margin stands at 258,366 MDT (32.2% of PNB).
Operating Expenses
The bank's operating expenses amount to 372,266 MDT, showing a 5.0% increase. This evolution is explained in particular by the progression of personnel costs (+8.5% to 221,484 MDT), while general operating expenses experience a slight decline of 1.7%, to 124,728 MDT. The bank's operating coefficient is thus 46.4%, compared to 45.0% at the same date in 2025.
Customer Deposits and Credit
The customer deposit balance has increased by 2,071,875 MDT, or 9.9% in annual growth. Savings deposits have consolidated by 10.3%, to 5,919,469 MDT, while demand deposits have progressed by 9.4% to reach 10,740,532 MDT. The net credit balance records a slight increase of 1.4% to stand at 13,203,525 MDT as of June 30, 2026.
Securities Portfolio
Meanwhile, the institution has strongly intensified the deployment of its securities portfolio, which has increased by 14.1% over twelve months to reach 7,790,868 MDT. This is a good guarantee for the sustainability of the bank's profitability in the medium term, regardless of the interest rate trajectory.
