Amen Bank published its results for the first half of 2025, showing a notable improvement in several key indicators despite a challenging economic environment.
Net customer loans, after provisions and reserved fees, reached 7,170 million dinars at the end of June 2025, compared to 7,097 million dinars a year earlier. This increase of 73.6 million dinars (+1%) reflects the bank’s sustained financing activity for its individual and corporate clients.
Customer deposits and holdings amounted to 8,698 million dinars, recording a significant growth of 713 million dinars (+9%) compared to June 30, 2024.
This growth demonstrates the strengthened trust of customers in the bank’s solidity and the quality of its services.
On the other hand, long-term resources, derived from borrowings and special resources, declined to 685.3 million dinars, a decrease of 93.4 million dinars compared to June 30, 2024.
On the banking activity front, operating income increased by 16.9 million dinars (+2.7%), while operating expenses saw a more moderate rise of 3.6 million dinars (+1.1%).
Thus, the Net Banking Income (NBI) stood at 308.2 million dinars at the end of June 2025, compared to 295 million dinars a year earlier, showing growth of 4.50%.
The cost-to-income ratio reached 38.28%, slightly higher than the 38.02% recorded in the first half of 2024, representing an increase of 26 basis points.
