At the end of the first half of 2025, BH Bank displays mixed activity indicators, marking both adjustments on the commercial level and notable progress in terms of social responsibility and governance.
The outstanding loans to customers stood at 10,288 million dinars (MD) as of June 30, 2025, compared to 10,821 MD at the same period in 2024, registering a decrease of 4.9%. This decline could reflect a more cautious approach by the bank in granting loans, in a still demanding economic context.
On the other hand, customer deposits increased, reaching 9,460 MTD at the end of June 2025 compared to 9,274 MD a year earlier, representing a rise of 2%. This development shows a certain level of client confidence in the institution, in an environment marked by a search for stability.
In terms of financial results, banking operating income slightly increased by 0.9%, reaching 726 MD compared to 719 MD at the end of June 2024. However, this increase was offset by a more marked rise in banking operating expenses (+6.5%), which rose from 357 MD to 380 MD.
As a result, Net Banking Income (NBI) experienced a drop of 4.6%, going from 362.7 MD in the first half of 2024 to 346.1 MD in the same period of 2025. This contraction results from pressure on margins and an increasingly competitive environment.
General operating expenses increased by 4.8%, reaching 41 MD, while personnel expenses rose by 2.4%, amounting to 97.8 MD compared to 95.5 MD a year earlier.
These changes reflect the maintenance of investment momentum in human resources and operational means, despite a tight budgetary context.
Beyond financial performance, BH Bank stands out through notable achievements on the extra-financial level. It thus became the first Tunisian bank to publish an extra-financial report for the 2024 fiscal year, in response to the requirements of the Stock Exchange.
This publication reflects the bank’s desire to fully integrate the principles of sustainability, transparency, and shared value creation into its strategy.
Furthermore, BH Bank confirmed its MSI 20000 certification, issued by the international organization COFICERT. This recognition attests to the financial soundness, performance, and quality of the bank’s governance, aligned with best international practices.
