QNB Tunisie Publishes 2025 Financial Statements
QNB Tunisie has released its financial statements for the 2025 fiscal year. The bank reported a loss of 17,406 MTND, an improvement compared to the -44,176 MTND recorded the previous year. The institution continues its restructuring plan, which was launched nearly six years ago.
Key Financial Highlights
- The cost of risk decreased to 14,024 MTND, a significant decline compared to 41,451 MTND in 2024.
- Net banking income reached 78,622 MTND, an 11.8% increase compared to the previous year.
- The interest margin totaled 14,674 MTND, up from 12,205 MTND in 2024.
- The bank increased its net customer loan portfolio from 1,024,740 MTND at the end of 2024 to 1,157,247 MTND a year later.
Commercial Performance
- Deposits remained stable at 1,549,279 MTND.
- Net commissions declined by 17.5% to 4,328 MTND.
- Portfolio income reached 59,620 MTND.
- The operating result improved to -16,994 MTND, compared to -43,786 MTND in 2024.
Outlook
We believe that the bank will continue its recovery, particularly with the support of its parent bank, QNB. The bank has the potential to benefit from any economic upturn, given its expertise and financial strength, which enable it to position itself on major deals. The 2026 fiscal year is likely to be the year of return to positive territory.
