UBCI Closes 2025 with Strong Performance and Notable Improvement in Activity Indicators
The UBCI has closed the 2025 fiscal year with a solid performance and a significant improvement in all its activity indicators, thanks to the strength of its commercial dynamics.
Key Highlights
- The outstanding balance of customer loans (net of provisions and reserved interest) reached 3769 million dinars, an increase of 478 million dinars, representing a remarkable growth of 14.5% compared to December 2024. This progress confirms the bank's constant commitment to financing the economy.
- Customer deposits stood at 3922 million dinars, compared to 3291 million dinars in December 2024, recording a 3.7% increase. This evolution is mainly driven by the growth of sight deposits (7%) and savings deposits (+7.9%).
Financial Performance
- Banking operating income increased by 9.8% to 571 million dinars at the end of 2025, compared to 520 million dinars the previous year.
- Banking operating expenses rose to 220 million dinars, an increase of 10.3% compared to the end of December 2024 (199 million dinars).
- As a result, the Net Banking Product (PNB) stood at 351 million dinars, recording a 9.5% increase compared to the previous year.
Operational Efficiency
- Operating expenses showed a controlled increase of 6.6%, mainly due to the rise in personnel costs (7.2%), confirming the rigorous management of resources in a changing environment.
Conclusion
These results confirm the UBCI's trajectory of profitable growth and strengthen its position as a responsible banking player, serving its customers and contributing to economic development.
