BIAT Announces 402,362 MTND Net Banking Income for Q2 2025, Up 13.4% Year-on-Year
The BIAT has announced a net banking income (NBI) of 402,362 MTND for the second quarter of 2025, representing a 13.4% year-on-year increase. Despite the decline in the benchmark interest rate and the new regulation on fixed interest rates for long-term loans, the bank managed to maintain its net interest income at a stable level of 364,206 MTND.
However, the net margin decreased by 16.1% to 134,446 MTND. Net commission income from products totaled 70,974 MTND, up 2.4% year-on-year. The bank's portfolio of commercial and investment securities and financial operations generated 196,943 MTND, contributing to the NBI growth.
First Half 2025 Results
The same trends are observed for the entire first half of 2025. The market room's contribution to NBI reached 46.7% as of June 30, 2025, highlighting the importance of asset management policy in mitigating the impact of the interest rate decline. The bank's portfolio is valued at 6,830,706 MTND, offering a strong potential for returns in the coming months.
Operating Expenses and Efficiency Ratio
The bank's operating expenses reached 355,099 MTND, up 16.8% compared to the first six months of 2024. Personnel expenses accounted for 204,140 MTND. The operating efficiency ratio stood at 45.1%, compared to 42.1% the previous year.
Loan and Deposit Growth
The bank's net loan portfolio stood at 13,016,137 MTND, up 209,270 MTND compared to December 2024. Deposits reached 20,950,179 MTND, with a net collection of 136,107 MTND over six months. The bank thus maintains its leadership position in the sector, with encouraging figures given the current context.
Stock Market Performance
On the stock market, the bank's share price has returned 6.36% since the beginning of the year, making it the largest market capitalization on the Tunis Stock Exchange.
