International Arab Bank of Tunisia (BIAT) Releases Q4 2025 Activity Indicators
The International Arab Bank of Tunisia (BIAT) has published its quarterly activity indicators as of December 31, 2025, highlighting the following results:
- A net banking product (PNB) of 1,595.1 million dinars
- Operating expenses of 724 million dinars
- Deposit balances of 22,291 million dinars
- Net loan balances of 13,153.7 million dinars
- An operating efficiency ratio of 45.4%
Solid Fundamentals and Resilient Business Model
The BIAT's activity indicators as of December 31, 2025, confirm the bank's solid fundamentals and the resilience of its business model in a demanding economic context. The recorded performance reflects a sustained commercial dynamic, driven by renewed customer trust, rigorous management, and the constant commitment of its teams. This trajectory is part of a global strategy of controlled growth, based on operational excellence, customer proximity, and innovation. It reinforces the BIAT's position as a reference banking player, capable of combining financial performance and sustainable value creation.
International Recognition
This dynamic has been recognized through several international awards received in 2025. The BIAT was named "Best Bank in Tunisia" in the Euromoney Awards for Excellence 2025 and received the title of "Best Bank in the Tunisian Foreign Exchange Market" from Global Finance. Other awards from Capital Finance International have praised the quality of its governance, the relevance of its digitalization strategy, and its commitment to youth development. The BIAT has also been distinguished by the "Best Customer Service 2026" award, consecrating the quality of its service and the constant efforts made to place customer experience at the heart of its strategic priorities.
Commitment to Economic Inclusion and Regional Development
Beyond financial performance, the BIAT continues to strengthen its role as a committed banking player in economic inclusion and regional development. To this end, the bank has intensified its support for community companies, setting up a dedicated digital platform designed to facilitate file processing, accelerate decision-making circuits, and improve access to financing. This initiative reflects the BIAT's desire to provide structured and adapted solutions to new entrepreneurial models with a strong territorial impact.
Accompanying and Creating Value
This approach, focused on support and value creation, has also been reflected in the organization of annual meetings dedicated to corporate customers in Sousse and Sfax, which have become a tradition favoring direct dialogue with regional economic players and strengthening long-term partnership relationships.
Digital Transformation
In parallel, the BIAT continues its digital transformation with consistency, through the continuous enrichment of its MyBIAT and MyBIAT Corporate platforms, aiming to offer fluid, secure, and high-performance customer journeys. This evolution is accompanied by the progressive modernization of the commercial network, with over 70 agencies renovated by the end of 2025 according to the new concept that combines innovation, modernization, operational efficiency, quality of service, and integration of digital uses.
Confidence and Strategic Discipline
With these advances, the BIAT approaches the next milestones with confidence and strategic discipline, determined to consolidate its position as a reference universal bank and to continue its role as a responsible and sustainable accompanist of the Tunisian economy.
