The BIAT Bank closed the 2025 financial year with solid performance, once again confirming its status as the country’s leading bank, in an economic environment marked by liquidity challenges, funding constraints, and market volatility.
As of December 31, 2025, BIAT’s Net Banking Income (NBI) stood at 1,595 million dinars, an increase of 7.8% compared to 2024. This growth is supported by a balanced and diversified revenue structure.
Net interest income reached 566.7 million dinars, representing 35.5% of NBI, while net fee and commission income amounted to 286.6 million dinars, or 18% of the total.
However, the largest contribution came from the commercial and investment securities portfolio income as well as financial operations, which generated 741.8 million dinars, corresponding to 46.5% of NBI.
On its part, banking operating income reached 2,533 million dinars at the end of 2025, recording an increase of 8.9%, reflecting the strong momentum of the bank’s commercial and financial activities.
On the operational front, BIAT continued its investments and the strengthening of its infrastructure, resulting in operating expenses of 724 million dinars, an increase of 8.9%.
The cost-to-income ratio stands at 45.4%, compared to 44.9% a year earlier, a level that remains controlled and demonstrates rigorous cost management within a context of business expansion.
The bank also reinforced its resource base. Deposit outstandings reached 22,291 million dinars, an increase of 7.1%.
This growth is primarily driven by the strong increase in savings deposits (+10.2%), while current account deposits recorded a more moderate rise of 1.3%, reflecting the strength and loyalty of the customer base.
Meanwhile, net loan outstandings amounted to 13,153 million dinars, up 2.7%, illustrating the continued effort to finance the economy, both for businesses and individuals, while adhering to a prudent risk policy.
