The Ordinary General Assembly of BIAT was held on Friday, April 25, 2025, at the bank’s headquarters, attended by members of the assembly’s board, directors, executive management, shareholders, and guests. Shareholders had the opportunity to review a detailed presentation of the bank’s achievements and strategic initiatives implemented throughout 2024.
Solid results and steadfast commitment to the economy
In 2024, BIAT continued to decisively execute its growth strategy, combining financial strength with support for Tunisia’s economic development. Guided by sound governance, risk management, and the dedication of its employees, the bank reinforced its leading position in Tunisia’s banking sector, particularly in deposit mobilization and net banking income generation.
BIAT’s deposits reached 20,814 million dinars, reflecting the enduring loyalty and trust of its clients.
Net banking income stood at 1,479.7 million dinars, driven by growth in its investment portfolio. These results enabled BIAT to achieve a net profit of 357.7 million dinars, underscoring the resilience of its business model and the effectiveness of its strategy.
With a credit portfolio of 12,807 million dinars, BIAT sustained its support for economic financing. Its balanced and diversified credit portfolio reflects active engagement across all sectors. True to its mission of backing productive industries, BIAT prioritized the industrial sector, which accounted for over 28% of its commitments.
The bank also strengthened its support for businesses through close partnerships and the allocation of 1,214 million dinars in investment loans in 2024.
For individuals, over 38,000 loans were granted to support household projects and purchasing power.
BIAT continued to serve its 960,000 retail, professional, and corporate clients through a network of 206 nationwide branches.
Its client base grew steadily in 2024, with 26,000 new young clients onboarded.
These accomplishments earned BIAT four prestigious awards in 2024, cementing its reputation as a leading bank in Tunisia and the region:
– Best Bank in Tunisia by Euromoney (third time awarded).
– Three accolades from Capital Finance International (CFI):
– Best Bank Governance in Tunisia
– Best Digitalization Strategy in North Africa
– Exceptional Contribution to Youth Development in Tunisia
Additionally, BIAT renewed its AML 30000 certification, reaffirming its rigorous compliance with international anti-money laundering and counter-terrorism financing standards.
Accelerated Digital Transformation
In 2024, BIAT advanced its digital transformation with the launch of MyBIAT Corporate, an innovative and secure platform for businesses developed in close collaboration with clients.
Over 9,000 companies joined the platform, streamlining remote banking operations. Meanwhile, MyBIAT Retail, serving individuals and professionals, grew to 390,000 users by end-2024.
To bolster technological capabilities, BIAT established its subsidiary BIAT Innovation & Technology, consolidating IT expertise to drive digital and data development, implement cutting-edge solutions, and enhance cybersecurity.
BIAT expanded its new branch concept in 2024, renovating nearly 40 branches nationwide (including Tunis, Bizerte, Sfax, Djerba, and Tozeur) to integrate human-centric service with digital innovation.
A digital queue management system was also deployed in 65 branches, enabling online appointments, efficient client flow, and real-time customer feedback analysis.
