BIAT Reports 1,236.1m Dinars Net Banking Income in Q3

In Short

• BIAT, Banque Internationale Arabe de Tunisie, published its quarterly activity indicators as at 30 September 2026.
• The bank reported net banking income of 1,236.1 million dinars.
• It also reported operating expenses of 558.1 million dinars and a cost to income ratio of 45.2%.
• Deposits stood at 23,517.6 million dinars and net loans at 13,324.4 million dinars.

What Happened: BIAT’s Quarterly Indicators And Deal Activity

BIAT said its quarterly indicators as at 30 September 2026 include net banking income of 1,236.1 million dinars. Operating expenses were 558.1 million dinars. Deposits reached 23,517.6 million dinars, and net loans reached 13,324.4 million dinars.

In its statement on the first nine months of 2026, the bank said it continued its development based on customer confidence, team mobilisation, and diversification of growth levers. It said its performance shows an ability to combine growth, financial balance management, and long term support for economic actors.

BIAT also highlighted syndicated lending activity. It said it acted as lead bank and arranger for a 90 million dinar syndicated financing for Advans Tunisie. It also said it took part in a 160 million dinar syndicated loan granted to Enda Tamweel.

The bank said these interventions reflect its willingness to support institutions that help broaden access to finance. It also said they strengthen its support for financial inclusion and entrepreneurship.

Why It Matters: Signals On Scale, Efficiency, And Recognition

The cost to income ratio of 45.2% is a widely used efficiency metric, it compares operating expenses to revenue. BIAT’s update also gives a snapshot of balance sheet scale through deposits and net loans.

BIAT said it received several international recognitions. Euromoney awarded it “Best Bank in Tunisia 2026.” Global Finance awarded it “Best Bank in the Foreign Exchange Market in Tunisia,” which the bank said it has received for the sixth consecutive year.

BIAT also said it renewed its MSI 20000 certification for the fifteenth consecutive year. The bank added that it is continuing transformation and modernisation efforts across its branches and digital support, aiming to offer simpler solutions aligned with changing usage.