As of June 30, 2025, customer deposits and holdings reached 8.7 billion dinars, up 8.9% compared to June 2024, while loans to customers slightly declined to 7.17 billion dinars (-2% compared to end-2024), reflecting prudent risk management in an economically fragile context.
On the income statement front, Amen Bank recorded a Net Banking Income (NBI) of 308 MD, up 4.4% compared to June 2024.
This performance was driven by banking operating income of 628.7 MD (+2.7%) and stable operating expenses of 320.6 MD.
Operating profit stood at 140.3 MD, compared to 136.8 MD a year earlier. After tax (8.8 MD), the half-year net profit amounted to 130.9 MD, representing a 5% increase compared to the same period in 2024.
Net provisions for loans and commitments reached 52.2 MD, up 8% compared to June 2024, reflecting the bank’s cautious approach to risk.
The coverage ratio for classified commitments stood at 75.2%, confirming a rigorous risk management policy.
With a balanced loans-to-deposits ratio and strengthened solvency indicators, Amen Bank continues to demonstrate resilience amid economic and regulatory challenges.
The continued growth of resources and revenue diversification are expected to support profitability in the second half of 2025.
