BNA Bank concluded the 2025 fiscal year on a sustained performance trajectory, confirming the relevance of its strategic choices in an increasingly competitive banking environment.
All financial indicators reflect a notable progression in activity, both in terms of financing the economy and profitability.
As of December 31, 2025, net customer loans outstanding, net of provisions and deferred charges, stood at 14.450 billion dinars, compared to 13.452 billion dinars a year earlier.
This increase of nearly one billion dinars illustrates the intensification of the bank’s financing activities for businesses and individuals.
Simultaneously, BNA Bank strengthened its resource base. Customer deposits recorded a significant increase of 1.247 billion dinars between December 2024 and December 2025, representing growth of 9.8%, demonstrating renewed depositor confidence and the attractiveness of the bank’s savings products.
Concurrently, the development and diversification strategy also bore fruit. The investment securities portfolio increased from 7.812 billion dinars at the end of 2024 to 9.361 billion dinars at the end of 2025.
This progression is mainly linked to the acquisition of BTA, a structuring operation that strengthened BNA Bank’s position in the financial market and improved its asset quality.
Banking operating income reached 2.493 billion dinars at the close of 2025, compared to 2.289 billion dinars a year earlier, showing an increase of 8.9%. This evolution reflects growth in revenues from credit activities, commissions, and market operations.
At the same time, banking operating expenses increased by only 95 million dinars, reaching 1.408 billion dinars compared to 1.313 billion dinars in 2024.
Thanks to this momentum, the Net Banking Income (NBI) amounted to 1.085 billion dinars on December 31, 2025, compared to 976 million dinars a year earlier, representing an increase of 11.2%.
This performance confirms BNA Bank’s ability to generate more value from its core activities.
Operating expenses, on the other hand, experienced a controlled increase of 2.8%, rising from 388 million dinars to 399 million dinars, demonstrating rigorous cost management in a growth context.
