BIAT closed the first nine months of 2025 with a Gross Banking Income (PNB) of 1.2 billion dinars, an increase of 9.7% compared to the end of September 2024.
The breakdown of this GBI is as follows: Net interest income of 428.9 million dinars (35.9% of GBI), net commission income of 212.6 million dinars (17.8% of GBI) and income from the commercial and investment securities portfolio and financial operations of 553.6 million dinars (46.3% of GBI).
Operating expenses reached 538 million dinars, an increase of 14.7%, with a cost-to-income ratio of 45.0% compared to 43.0% at September 30, 2024.
Outstanding deposits stood at 21,570 million dinars, up 9.4%, with demand deposits and savings deposits increasing by 8.1% and 12.0% respectively.
As for net loan outstandings, they show an increase of 3.7%, amounting to 12,888 million dinars.
Supported by its customers’ trust and the quality of its services, BIAT’s financial performance demonstrates continuity and reflects rigorous management and an ability to create sustainable value.
Beyond financial performance, BIAT confirms its digitalization momentum.
Its MyBIAT and MyBIAT Corpo platforms are seeing growing adoption thanks to new features, a redesigned user experience, and an enhanced remote management service.
Thus, the bank continues to support digital usage while guaranteeing the security, simplicity, and reliability of operations.
Innovation remains at the heart of BIAT’s strategy, as evidenced by the launch of the BIATFLEXY installment payment card, a solution that allows customers to pay for their purchases in several installments or benefit from a payment deferral according to the chosen plan.
This new product illustrates BIAT’s desire to offer more flexibility and comfort in managing its customers’ daily budgets, while consolidating its leadership in the payment solutions market.
In parallel, BIAT is continuing the transformation of its branch network. The branch renovation program continues its gradual deployment across the country.
These modernized spaces offer a seamless, personalized, and advisory-focused customer experience, illustrating the bank’s desire to bring its teams’ expertise closer to the needs of each customer.
BIAT also continues to support the internationalization of Tunisian companies, notably through a $50 million guarantee granted by the African Development Bank to facilitate trade finance operations.
