The Arab Tunisian Bank (ATB) is expected to hold its Extraordinary General Assembly on November 28, 2025. The main item on the agenda is the bank’s capital increase.
Since its establishment on June 30, 1982, ATB has had a mission “to contribute to the country’s economic and financial development by offering a diversified and high-quality service.”
The bank’s capital is set to increase from TND 128 million to TND 150 million through the creation of 22 million investment certificates with a nominal value of 1 TND each.
What is ATB aiming to achieve?
Although the bank does not suffer from a lack of equity and maintains ratios in line with Central Bank of Tunisia (BCT) regulations, ATB explains that the capital increase is driven by its desire to “pursue its global restructuring phase focused on the following key points.”
According to the bank’s management, this includes overhauling its entire IT system, restructuring the organization to become a customer-centric entity, optimizing the geographic distribution of its branches, concentrating investments on digitalizing internal procedures, particularly customer relations, to provide remote services and implementing a new HR strategy covering recruitment, dismissal, compensation, attendance monitoring, succession planning, and career development.
In short, through this capital increase, ATB aims to strengthen its equity before the end of 2025 to support development and investment needs required by this restructuring phase and to prepare for new regulatory requirements on solvency.
The remainder of the press release is largely procedural, as the statutes must define the order of extinguishment in case of a future capital reduction or share buyback when the capital comprises different types of securities.
ATB: Positive figures for the future
By the end of Q3 2025, ATB’s key activity indicators showed net loans (after provisions and reserved interest) reaching TND 5,216.6 million, compared to TND 5,399.4 million on September 30, 2024, a slight decrease.
On the other hand, customer deposits reached TND 6,831.4 million on September 30, 2025, up from TND 6,272.8 million at the end of September 2024, reflecting strong client confidence.
Sight deposits rose to TND 2,070.1 million from TND 1,952.1 million, an increase of TND 118 million (6.04%).
Savings deposits reached TND 1,858 million, up from TND 1,740.7 million, a rise of TND 117.3 million (6.74%).
This upward trend continued across the bank’s key ratios. Banking operating income reached TND 609 million at September 30, 2025, versus TND 585.1 million at the same time in 2024, up TND 23.9 million (4.08%), despite a 6.17% increase in operating expenses, which rose to TND 328.7 million from TND 309.6 million.
As a result, net banking income for the first nine months of 2025 stood at TND 280.3 million, up from TND 275.5 million in the same period in 2024, an increase of almost TND 5 million. These figures are encouraging for the remainder of 2025.
