QNB Tunisia Achieves Strategic Milestone in 2025
The year 2025 marks a strategic milestone for QNB Tunisia, a subsidiary of the QNB Group, a leading financial institution in the Middle East and Africa. This milestone confirms the bank's gradual return to equilibrium following the restructuring strategy implemented since 2021.
Strong Progress in Financial Indicators
At the end of 2025, QNB Tunisia recorded a solid growth in its commitments. The outstanding commitments reached 2.196 billion dinars, compared to 1.887 billion dinars in 2024, representing a growth of over 16%. The commitments to the public sector also continued to rise, reaching 672 million dinars, after 466 million dinars in 2024, confirming the confidence in national institutions.
The investment portfolio, composed of Treasury bonds and national loans, amounts to 599 million dinars, compared to 558 million dinars in 2024, highlighting the bank's contribution to macroeconomic stability. The quality of the credit portfolio continues to improve thanks to proactive risk management. The rate of non-performing loans reached 20%, compared to 27% in 2024, reflecting the cleanup action started in 2021 in accordance with the roadmap implemented in coordination with the Central Bank of Tunisia.
Stabilization of Deposits with Improved Structure
Deposits reached 1.552 billion dinars, with a significant improvement in their structure. This performance is driven by a 14% growth in savings, reaching 167 million dinars, compared to 146 million dinars in 2024, and a 12% increase in sight deposits, totaling 422 million dinars, compared to 376 million dinars in 2024.
Thanks to the diversification of its investment solutions and the deployment of segmented offers for Retail, Corporate, and Institutional clients, QNB Tunisia consolidates its liquidity base and commercial attractiveness.
Operational Performance and Return to Equilibrium
The 2025 fiscal year is marked by a drastic reduction in the deficit, resulting from the restructuring and recovery strategy deployed over the past four years. The Net Banking Product shows a 12% growth, reaching 79 million dinars, compared to 70 million dinars in 2024.
This performance is supported by the improvement in the interest margin, effective management of resources, and increased diversification of revenues. Operating expenses remain controlled thanks to an operational efficiency policy, while the cost of risk continues to normalize, reflecting the structural improvement in the quality of the credit portfolio.
The bank's own funds reached 265.5 million dinars, ensuring resilience in the face of market fluctuations. The prudential ratios far exceed the regulatory thresholds set by the issuing institute, with a solvency ratio of 25%, a liquidity ratio of 170%, a ratio of coverage of classified claims by provisions of 70%, and a ratio of credit coverage by deposits of 114%.
Excellence in Governance and ESG Commitment
QNB Tunisia aligns its governance framework with international QNB Group standards and Central Bank of Tunisia directives. The strengthening of internal control and compliance devices ensures rigorous control of credit, market, and operational risks. In 2025, the integration of ESG criteria became inherent to the bank's strategy.
Flagship initiatives include permanent support for microfinance institutions to promote financial inclusion and entrepreneurship among vulnerable populations. The bank is also investing in financial education through educational programs for primary school students. Digitalization within the bank is accelerating with the launch of solutions and products that meet customer needs.
Finally, the bank's commitment to public health is demonstrated by logistical support for Aziza Othmana and Béchir Hamza hospitals, as well as collaborations with the National Blood Transfusion Center and breast cancer awareness campaigns.
Mr. Lotfi DEBBABI, CEO of QNB Tunisia, stated, "The year 2025 marks a major turning point for QNB Tunisia. Our results validate the resilience of our economic model and the relevance of our strategic choices. Beyond the imminent return to profitability, we have consolidated the fundamentals of sustainable and responsible growth. In a complex economic environment, our adaptability and customer proximity remain our best assets for the future."
