Amen Bank showed a general improvement in its activity indicators, as of the end of September 2025, driven by a sustained increase in its net banking income and controlled growth in its outstanding amounts.
Customer loans stood at 7,255 million dinars, compared to 7,172 million dinars a year earlier, an increase of 1.2%.
This trend reflects the continuation of a selective financing policy, focused on segments with high potential while controlling credit risk.
Customer deposits and holdings saw a more pronounced increase of 2.9%, reaching 8,612 million dinars at the end of September 2025, compared to 8,371 million for the same period in 2024.
This trend reflects renewed customer confidence, both from individuals and businesses, in Amen Bank’s solidity and service quality.
On the other hand, long-term resources, from borrowings and special resources, fell to 621.9 million dinars, recording a decrease of 145.9 million year-on-year.
This decline reflects a refocusing of funding sources and prudent management of long-term liquidity.
In terms of income, banking operating income increased by 2.9%, or +26.1 million dinars, while banking operating expenses saw a limited rise of 0.9%, or +4.1 million dinars.
These developments result in a Net Banking Income (NBI) of 443.2 million dinars, up 5.2% compared to the 421.3 million recorded at the end of September 2024.
The cost-to-income ratio stood at 42.03%, compared to 40.66% a year earlier, an increase of 137 basis points, reflecting a slight rise in operating costs in a context of continuous investment in digitalization and improving the customer experience.
