The Union Bancaire pour le Commerce et l’Industrie (UBCI) confirms its growth momentum during the first half of 2025, displaying financial indicators significantly up compared to the same period of the previous fiscal year.
These performances testify to the solidity of its economic model and the effectiveness of its development strategy.
The outstanding amount of customer loans (net of provisions and reserved fees) recorded a significant increase of 740.1 million dinars (MD) to reach 3,828 MD as of June 30, 2025. This evolution represents a remarkable growth of 23.9% compared to June 30, 2024, translating a sustained dynamism in the bank’s financing activity.
Customer deposits also experienced a favorable evolution, reaching 3,968.7 MD at the end of the first half, against 3,624.7 MD one year earlier.
This progression of 9.49% is driven mainly by the increase in demand deposits (+8.42%) and savings deposits (+8.94%), testifying to the increased confidence of individual and professional customers in the institution.
On the side of operating results, UBCI displays controlled growth.
Operating income amounts to 282.3 MD, up 12.95% compared to end of June 2024. In parallel, operating expenses stand at 105.9 MD, up 9.75%.
The Net Banking Income (NBI), a key indicator of commercial performance, reaches 176.3 MD, representing a notable increase of 14.9% year-on-year. This evolution reflects balanced resource management and an improvement in profitability.
UBCI continues to demonstrate rigor in the management of its expenses. Operating charges record a contained progression of 4.79%, primarily due to the increase in personnel expenses (+5.9%). This evolution remains consistent with the bank’s development ambitions and investment efforts in human resources.
