BH Bank has published its financial statements for the first six months of the current year, a semester marked by the bank’s ability to adapt in a challenging economic environment.
The significant growth of its investment portfolio also reflects its strategy of diversification and optimization of its resources.
Customer deposits stood at TND 9.46 billion, a slight increase compared to TND 9.27 billion recorded a year earlier. On the other hand, deposits from banking and financial institutions rose to TND 2.41 billion compared to TND 2.19 billion at the end of June 2024.
The bank’s equity also strengthened, reaching TND 1.39 billion compared to TND 1.36 billion previously.
At the operational level, the bank posted a Net Banking Income (NBI) of TND 343.3 million, down from TND 362.7 million recorded in the same period of 2024.
This decline is mainly explained by the decrease in gains from its trading securities portfolio, which fell from TND 50.9 million in June 2024 to only TND 13.6 million in 2025.
On the other hand, revenues from the investment portfolio more than doubled, reaching TND 136.1 million compared to TND 63.1 million a year earlier.
After accounting for provisions, operating expenses, and corporate income tax, BH Bank recorded a net profit of TND 54.4 million in the first half of 2025, compared to TND 77.6 million in the same period of 2024, a decline of 30%.
This contraction is mainly due to the increase in provisions on receivables and the impact of the application of the new Law No. 41-2024, which raised the corporate tax rate on credit institutions, as well as the sharp drop in net interest income, which fell to TND 7.9 million for the semester.
