BIAT stock reports 10.3 percent first half profit growth

Published on 10/04/2026 at 22:37 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

BIAT stock stood at TND 161.49 on October 2, 2026, 15.0 percent below its 52-week high. H1 net banking income reached TND 802.7 million, up 1.9 percent.

BIAT, TN0001800457, Illustration mit AI erstellt.

BIAT stock (ISIN TN0001800457) stood at TND 161.49 on the Tunis Stock Exchange on October 2, 2026, after a 0.93 percent daily gain. The bank's first-half net income rose 10.3 percent to TND 271.404 million, giving the latest trading level a clear earnings backdrop.

Profit rises faster than income

According to allAfrica on September 18, 2026, BIAT's first-half net income increased from TND 246.080 million in 2025 to TND 271.404 million in 2026. The comparison covers the six months ended June 30, 2026, and puts the bank's profit growth ahead of its revenue expansion.

Prime Partners Holdings reported in September 2026 that BIAT's net banking income rose 1.9 percent to TND 802.7 million. Customer loans reached TND 13.208 billion and customer deposits TND 23.021 billion, producing a 57.4 percent loans-to-deposits ratio.

Risk explains the earnings gap

The H1 figures show why profit grew faster than net banking income. Prime Partners Holdings said the improvement was driven mainly by a sharp fall in the cost of risk, with BIAT's cost of risk listed at TND 17.9 million for the half-year period.

That mix matters for the next results cycle. Deposit growth gives BIAT substantial funding capacity, but the earnings increase depends partly on whether the lower cost of risk persists while the bank deploys more of its balance sheet.

Consensus points to TND 137.00

According to Investing.com, one analyst rated BIAT Strong Sell and set a 12-month price target of TND 137.00. The target compares with the TND 161.49 share price on October 2, 2026, making the earnings quality and risk trend important counterweights to the recent profit increase.

The stock stays below TND 190

BIAT's TND 161.49 price was 15.0 percent below its TND 190.00 52-week high and above the TND 100.00 low on October 2, 2026. Trading volume reached 7,890 shares, while market capitalization stood at TND 6.6 billion.

For investors, the central contrast is measurable: net income advanced 10.3 percent, but net banking income grew 1.9 percent. BIAT's valuation will therefore remain tied to the durability of lower risk costs and the return generated by its deposit base.