It was in a friendly and constructive atmosphere that AMEN BANK held its Ordinary General Meeting on April 30, 2026, to review the 2025 financial year.
The meeting provided an opportunity for the bank to reconnect with its shareholders and confirm the strength of its performance, resilience, and continued commercial momentum, both in resource mobilization and in financing the economy, as well as in supporting and advising its clients.
Alongside the achievement of the NEXT project objectives, focused mainly on improving customer experience, digitalizing processes, specializing its network and diversifying revenues, AMEN BANK reaffirmed its commitment to supporting and financing green projects, highlighting its achievements and sharing its strategic orientations across these areas.
The bank also succeeded in delivering sustained profitability to its shareholders, while strengthening its financial fundamentals and consolidating its structural stability.
Customer deposits stood at 8,720.4 million dinars at the end of December 2025, compared to 8,016.0 million dinars in 2024, representing growth of 8.79%, driven mainly by a 10.05% increase in savings deposits and a 4.34% rise in demand deposits.
Loans to customers increased by 3.26%, reaching 7,537.8 million dinars compared to 7,299.5 million dinars.
Operating income rose by 2.05% compared to 2024, while banking operating expenses increased by only 0.19%, allowing the Net Banking Income to grow by nearly 4.2%, rising from 566.5 million dinars to 590.1 million dinars.
Operating expenses increased by 7.1%, mainly due to a 7.04% rise in staff costs compared to 2024, linked in particular to the financial impact of labor code reform. Despite this, the cost-to-income ratio remained under control at 41.1%, compared to 40.0% at the end of December 2024.
These results generated a net profit of 248.65 million dinars in 2025, compared to 229.96 million dinars in 2024, an increase of 8.13%.
Thanks to these performances, AMEN BANK continued to strengthen its equity base and financial structure. Shareholders’ equity reached 1,707.4 million dinars as of December 31, 2025, up 8.47%, with a net asset value per share of 48.9 dinars.
On the prudential side, the bank maintained a strong liquidity position, with a Liquidity Coverage Ratio (LCR) of 162.37%, well above the regulatory minimum of 100% set by the Central Bank of Tunisia. The solvency and Tier 1 ratios strengthened to 16.85% and 12.47% respectively, significantly above the regulatory requirements of 10% and 7%, confirming the robustness of its financial structure.
In light of these results, the Ordinary General Meeting approved a dividend distribution of 3.600 dinars per share, corresponding to a payout ratio of 50.56% and 72% of nominal value.
Building on these performances and in line with its strategic orientation, AMEN BANK continues to actively support the development of Tunisian SMEs through structured financing solutions, international credit lines, and a range of tailored products.
This approach aims to support investment, business modernization, energy transition, and innovation.
In response to rapid economic changes at both national and international levels, AMEN BANK is accelerating the diversification of its offerings. It is expanding its investment banking activities by providing high-value advisory services, including strategic advisory, governance consulting, investment support, and financial restructuring. The bank also offers financial structuring and engineering solutions to optimize corporate balance sheets and improve access to funding.
AMEN BANK is also fully integrating energy transition challenges by offering dedicated solutions for low-carbon transformation. It supports companies in developing decarbonization strategies, measuring and managing greenhouse gas emissions, and producing carbon footprints, aligning their growth with international environmental standards.
The bank thus strengthens its position as a pioneer in responsible finance and reaffirms its role in building a green, inclusive, and resilient economy.
At a time when artificial intelligence is reshaping competitiveness, AMEN BANK is accelerating the integration of AI across its operations. AI is now a key strategic pillar, enabling data to be transformed into value, internal processes to be optimized, controls to be further automated, and customer experience to be continuously enhanced through more targeted and personalized services.
Finally, 2025 marked another milestone in AMEN BANK’s CSR strategy, reinforcing its position as an innovative and committed banking institution through numerous high-impact initiatives in social, environmental, educational, and cultural fields.
This momentum was accompanied by distinctions, including being named “Best Bank in Tunisia 2025” by Global Finance magazine for the sixth consecutive year, and “Best Green Bank in Tunisia” by Global Banking and Finance for the second consecutive year, reflecting the relevance and strength of its commitments.
