BH Bank Reports Mixed Financial Performance as of September 2025
BH Bank has announced a mixed financial performance for its main indicators as of September 2025. The bank's customer loans stood at 10,372 million dinars, representing a 3% decrease compared to the previous year. In contrast, deposits showed a significant increase of 4.8%, exceeding 9,500 million dinars. This evolution reflects a strengthening of customer trust despite a challenging economic context.
The use of external financing and special resources also intensified, with a total of 1,507 million dinars, representing a 7.3% increase over the past year. While operating income remained stable at 1,094 million dinars, operating expenses increased by 4.5%, resulting in a decline in Net Banking Product (PNB) to 526.7 million dinars, compared to 552.3 million dinars during the same period in 2024. General operating expenses continued to rise, reaching 62 million dinars, while personnel expenses only slightly increased to 147 million dinars, reflecting a partial control of costs.
Beyond the numbers, BH Bank continues to pursue its trajectory in terms of governance and social responsibility. The publication of its first extra-financial report for the 2024 fiscal year demonstrates its commitment to transparency and sustainable value creation, meeting the requirements of the Tunis Stock Exchange.
The bank has also confirmed its MSI 20000 certification, awarded by COFICERT, an international recognition of the solidity of its governance and financial management. This distinction reinforces BH Bank's position as a reliable and rigorous player in the Tunisian banking landscape.
