The Arab Tunisian Bank (ATB) published its interim financial statements as of June 30, 2025, showing a net profit of 2.6 million dinars, compared with 12.4 million dinars a year earlier, representing a drop of nearly 80%.
At the end of the first half of 2025, Net Banking Income (NBI) stood at 171.3 million dinars, compared with 182.3 million dinars on June 30, 2024.
This decline is explained by the near-stagnation of banking operating income (+2.9% to 397.5 million dinars) versus a more significant increase in operating expenses (+10.8% to 226.2 million dinars).
Personnel expenses reached 79.8 million dinars, up from 70.4 million recorded a year earlier. General operating expenses amounted to 40 million dinars (+5.6%).
In addition, the bank set aside 32.7 million dinars in net provisions for loans and commitments, a level close to that recorded in the first half of 2024 (34.8 million dinars).
ATB’s total assets stood at 7.99 billion dinars as of June 30, 2025, compared with 7.55 billion a year earlier. Customer deposits rose to 6.76 billion dinars, up 7.7% year-on-year.
Conversely, customer loans slightly declined to 5.31 billion dinars, compared with 5.38 billion at the end of June 2024.
As for the bank’s equity, it amounted to 570.2 million dinars, virtually stable compared with 569.9 million recorded a year earlier.
