Bank of Tunisia Closes 2024 with Net Profit of TND 188.41 Million, Up 10.61%
The Bank of Tunisia held its ordinary general meeting on April 29, 2025, and presented a net profit of TND 188.41 million, a 10.61% growth compared to 2023.
In detail, this growth is part of a dynamic of prudence and solidity. The bank set aside provisions of TND 39.84 million to protect itself against risks, while paying TND 98.1 million in corporate tax to the state, an increase of 37.95%. It also contributed TND 9.89 million to social charges (+21.70%) and TND 9.82 million to conjunctural contributions (+20.80%).
The Net Banking Product (NBP) stood at TND 98 million (+6.7%), with controlled general expenses of TND 155.98 million (+7.4%). This control of charges allowed the bank to maintain an operating coefficient of 32.3%, one of the lowest in the sector.
The Bank of Tunisia also consolidated its role in supporting the national economy. Customer loans grew by 4.11% to reach TND 6.08 billion, while deposits increased by 15.4% to TND 6.69 billion. On the stock market, the shareholder remuneration policy was strengthened, with a dividend of TND 0.35 per share (compared to TND 0.29 in 2023) and a payout ratio of 50%.
Financial solidity indicators are also in the green: a solvency ratio of 17.12%, a liquidity coverage ratio (LCR) of 299.9%, and a reduced ratio of classified claims to 6.89%, its lowest level in 42 years. The coverage rate of these claims reached 82.5%.
At the group level, the dynamic remains positive, with a consolidated net profit of TND 25 million (+10.24%) and a consolidated NBP of TND 518.34 million (+5%), driven by the growing contribution of subsidiaries.
On the CSR front, 2024 was marked by concrete initiatives: the launch of an innovation laboratory, the reforestation of 30 hectares with 16,000 trees, and the installation of solar panels to power 52 agencies.
In 2025, the bank plans to continue its digital transformation, improve its services, and take up the challenge of adopting IFRS and Basel standards. The Bank of Tunisia remains determined to consolidate its model and remain faithful to its dual vocation: economic performance and commitment to sustainable development in Tunisia.
