The Tunisian banking sector has reported a 4.7% growth in global net profit for the year 2025, reaching 8.399 billion dinars (MD). This growth is attributed to a significant increase in investment portfolio revenues, which rose by 37.3%. The increase was largely driven by a notable rise in Treasury bond revenues, which grew by 41.4%. However, the sector also saw a decline in global interest margins by 14.9%, or 554 MD.
According to the 2025 annual report on Banking Supervision published by the Central Bank of Tunisia (BCT), the sector's net result for 2025 was 1.655 billion MD, representing a 5% increase from the previous year. This growth enabled the sector to maintain satisfactory profitability indicators. Out of the 22 resident banks, 17 reported a profit, with a cumulative benefit of 1.7787 billion MD, while five banks recorded a loss of 123.5 MD.
The BCT report also revealed that the cumulative profit of these banks was allocated 49.4% to reserves, while dividends distributed increased to 899 MD, accounting for 50.6% of the profit. The Tunisian banking and financial sector comprises 47 institutions, including 29 licensed banks and 18 financial institutions. The 29 banks are divided into 22 resident banks and seven non-resident banks.
Banks engaged in Islamic operations reported a 12.8% improvement in their net profit, reaching 713 MD, up from 632 MD in 2024. Additionally, the operating coefficient of these banks improved by 0.7 percentage points to 52.6% at the end of 2025. However, their global net result decreased by 16.1% to 105 MD due to a net provisioning effort of 146 MD.
The leasing sector also reported growth, with a 9.2% increase in net leasing product, reaching 340 MD. This growth was primarily driven by interest margins, which accounted for 87.6% of the product. The sector's net result improved by 12.5%, despite a higher provisioning effort compared to 2024.
In contrast, non-resident banks reported an 11.9% decline in their net banking product, reaching 91.2 million dollars (or 273.2 MD). This decline was mainly attributed to a significant decrease in interest margins by 34.3%. Consequently, the global net result of these banks decreased by 24.2% to 24.2 million dollars (or 72.5 MD).
The factoring institutions reported a significant decline in their net factoring product, down by 30.9% to 18.5 MD. This decline was primarily driven by a decrease in interest margins by 29.7%. As a result, the global net result of these institutions contracted by 69% to 3.4 MD. However, payment companies reported a growth in their consolidated net payment product, reaching 20 MD.
Key points
- The Tunisian banking sector experienced a 4.7% growth in global net profit, reaching 8.399 billion dinars in 2025.
- The sector's growth was driven by a significant increase in investment portfolio revenues, which rose by 37.3%.
- Islamic banks reported a 12.8% improvement in their net profit, reaching 713 MD in 2025.
