BIAT Holds Ordinary General Meeting and Presents 2025 Results
The BIAT bank held its Ordinary General Meeting at its headquarters, attended by members of the board, administrators, general management, and shareholders. This session allowed the presentation of the 2025 results and a review of the bank's main achievements in a context marked by ongoing economic, energy, and digital transformations.
Strong Commitment and Solid Results
As of December 31, 2025, BIAT posted progressive results, confirming the solidity of its model and the relevance of its strategic choices in a demanding economic context. Thanks to rigorous governance, prudent risk management, and the commitment of its teams, the bank maintained a sustained commercial dynamic. BIAT thus consolidated its position as a reference bank in the banking sector with deposits of 22,291 million dinars and a net banking product of 1,594.8 million dinars, illustrating the trust of its customers and the quality of its proximity relationship. Moreover, it continued its commitment to financing the economy with customer claims amounting to 13,045.4 million dinars. During 2025, BIAT granted nearly 42,500 loans to individuals to support their projects and purchasing power. In parallel, over 1,040 investment loans were mobilized, confirming the bank's commitment to financing businesses and productive investment. The BIAT loan portfolio remains diversified, covering all economic sectors, with a significant share of the industrial sector representing 22% of the bank's commitments, confirming its willingness to support the development of the industrial apparatus.
International Recognition
These performances enabled the bank to achieve a net result of 385 million dinars, reflecting its financial solidity, mastery of its financial balances, and ability to offer solutions adapted to its customers' needs. BIAT received several major international awards recognizing the solidity of its fundamentals and its commitment to excellence.
- Euromoney rewarded BIAT for its financial innovation, service quality, operational performance, and team commitment.
- Global Finance distinguished BIAT's excellence in the foreign exchange market for the fifth consecutive year, driven by recognized expertise, innovative solutions, and high-performance customer service.
- The CFI magazine awarded BIAT three distinctions: "Best Banking Governance in Tunisia", "Best Digitalization Strategy in North Africa", and "Exceptional Contribution to Youth Development in Tunisia".
- BIAT also received the "Customer Service of the Year 2026" award in the Banks category, highlighting the quality of its customer relationship and ongoing efforts to improve the experience offered.
Commitment Through Digital Transformation
In 2025, BIAT continued to enrich its digital solutions to improve the customer experience and respond to the evolution of their uses. The MyBIAT platform reached an equipment rate of over 50% with 445,000 active customers using the bank's digital services. Several developments were made to the digital platforms. The solution dedicated to individuals benefited from a modernized interface and simplified processes, integrating new features for managing operations and payment methods. The platform dedicated to businesses was enriched with complementary services related to foreign trade and payment operations, financial product consulting, and check pre-booking. This dynamic was rewarded with the "Product of the Year 2026" award given to the MyBIAT application.
Commitment Through Agency Modernization
BIAT continued to transform its network with the deployment of a new agency concept. By the end of 2025, over 70 agencies had been renovated in several regions of the country, including Tunis, Nabeul, Sousse, Sfax, Monastir, Djerba, Zarzis, and Tozeur. This approach is part of a progressive modernization of the network aimed at offering modern, transparent, and convivial spaces, favoring a fluid and quality customer experience.
Strengthened Commitment to Supporting Businesses
BIAT intensified its support for businesses through adapted solutions and structuring operations. In this context, a strategic partnership was concluded with the African Development Bank, involving a $50 million transaction guarantee to support Tunisian businesses in their international operations. Moreover, BIAT participated, as an agent and arranger, in the structuring of a $140 million syndicated loan for the realization of a photovoltaic power plant in Chebika (Kairouan), mobilizing the expertise of its teams and contributing to the development of renewable energies and the reduction of the carbon footprint. BIAT intervened in a triple capacity as a syndicator, financier, and investor in capital through its subsidiary BIAT Capital Risque.
Sustainable Commitment to Society
BIAT consolidates its commitment to sustainable economic development through the management and implementation of high-impact projects in social, sports, and cultural fields. BIAT promotes inclusive sports through its support for handicapped sports, in partnership with the Tunisian Federation of Sports for the Disabled, and sponsors athletes with disabilities, offering them means to proudly represent Tunisia. BIAT is also committed to preserving the country's architectural and cultural heritage, notably through the restoration of the Disegni building, one of the most remarkable in the city of Tunis, whose facades have been classified as part of Tunisia's heritage by the National Heritage Institute, as well as through the realization of national projects, such as the renovation of the Ibn Khaldoun Cultural Center and the rehabilitation of the Mongi Bali and Barcelone squares. Moreover, BIAT launched the "Oumouri El Maliya" initiative, aiming to democratize financial culture through educational, entertaining, and accessible content for all.
Foundation BIAT
Through the BIAT Foundation, the bank reinforces its commitment to Tunisian youth and intangible heritage. In 2025, the BIAT Foundation continued its actions in the fields of education, culture, and heritage. It accompanied brilliant baccalaureate holders through the "Génération Leaders" program, whose seventh promotion was selected in 2025, offering them training and workshops to develop their skills and employability. The Foundation also continued its commitment to the valorization of Tunisia's intangible heritage through the "La Tunisie à Table" project, with the publication of the third book in a series dedicated to the culinary traditions of the regions.
Conclusion
At the end of 2025, BIAT confirms the solidity of its results and the consistency of its strategy. With the trust of its customers, the commitment of its teams, and the solidity of its fundamentals, the bank intends to continue its transformation and strengthen its role as a reference actor in the service of an inclusive and sustainable economy.
