As of June 30, 2025, customer loans reached 13.85 billion dinars, up 1.9% year-on-year, while customer deposits rose slightly by 2.2% to 12.96 billion dinars, with a strong increase in demand deposits (+19.8%).
Net Banking Income (NBI) reached 537 million dinars, marking a 7.7% growth compared to the end of June 2024.
This increase was mainly due to higher income from the investment portfolio, which surged 44.7% to 348.3 million dinars, while interest and related income slightly declined by 4%.
Bank operating expenses rose 6.6% to 682.2 million dinars, driven notably by higher personnel costs (+6.9%) and general operating expenses (+11.7%).
After accounting for provisions (-20.2%) and a 44% increase in corporate income tax, BNA posted a net profit before accounting adjustments of 155 million dinars, up 16.8% compared to June 2024.
After accounting adjustments, net profit reached 137.3 million dinars, a remarkable 49.6% increase.
As of the end of June, BNA reported a solvency ratio of 21.83%, well above the regulatory minimum of 10%, and a Tier One ratio of 19.17%, confirming the bank’s financial strength.
Its liquidity ratio reached 206.97%, compared to the regulatory threshold of 100%.
Beyond financial performance, BNA expanded its social initiatives in the first half, notably launching the GREEN UMA initiative in partnership with the UNESCO Chair and rehabilitating the Ettadhamen Children’s Complex as part of its CSR activities.
