Union Internationale de Banques (UIB) Reports Solid Performance in 2025
The Ordinary General Assembly of the Union Internationale de Banques (UIB) presented its 2025 annual report, confirming the bank's solidity. The report was presented on April 30, 2026.
Key Highlights
- The bank's net profit reached 101 million dinars for the year ended December 31, 2025, representing a 17-18% increase over the previous year.
- The Ordinary General Assembly, attended by 63.46% of the bank's capital, also approved the appointment of Pierre Le Run as the new General Manager of UIB.
- Despite a 2% decline in the bank's net banking product (PNB), the bank's performance was boosted by a 2.5% increase in commissions and a 3.4% rise in portfolio revenues.
Challenges and Opportunities
The bank's PNB decline was largely due to the impact of the 2024-21 law capping consumer credit rates, which resulted in a 27 million dinar reduction in interest margins. However, the bank's operating expenses increased by only 5%, which is lower than the average increase of 8.6% for private banks in Tunisia.
Commercial Activity
The bank's deposits reached 7,241 million dinars in 2025, representing a 5.6% increase over the previous year. This growth enabled the bank to rank fourth among private banks in terms of customer deposits. The bank's customer base exceeded 400,000 active individual and professional clients, with 39,000 new relationships established during the year.
Consolidated Results
The bank's consolidated financial statements, which include four subsidiaries, reported a net profit of 94.2 million dinars, representing a 31% increase over the previous year. The bank's consolidated equity reached 1,095 million dinars, while its liquidity decreased by 7% to 1,200 million dinars.
Subsidiaries' Performance
The bank's subsidiaries performed well, with the IRC recovery company managing a portfolio of 61,000 files worth 283 million dinars and reporting a profit of 1.2 million dinars. The brokerage company reported a 10% annual growth rate and a profit of 1.3 million dinars, while UIB Assurance, which was established in 2021, reported revenues of 19 million dinars, representing a 9% increase.
Outlook and Strategy
The bank's General Manager outlined the bank's strategy, which focuses on four key areas: commercial development, technological modernization, human capital reinforcement, and risk management. The bank expects its PNB to return to positive growth in 2026, as the impact of the 2024-21 law on consumer credit rates diminishes.
Environmental Commitment
The bank has integrated an environmental, social, and governance (ESG) report into its individual financial statements for the first time, in accordance with a circular issued by the Financial Market Council (CMF) in December 2025. The bank has also participated in the financing of a solar power plant worth 30 million dinars, which will supply electricity to two cement plants and reduce their carbon footprint. The bank's climate rating for its credit portfolio is close to zero in terms of transition risk exposure, thanks to the standards applied by the Société Générale group over several years.
Dividend Payment
The bank's Board of Directors has proposed a dividend of 1 dinar per share, representing 20% of the share's nominal value. The dividend payment will be made on June 2, 2026, through the Tunisie Clearing system.
