Amen Bank posted 23.70 percent profit growth: what it means for AMEN stock

Published on 10/14/2026 at 02:14 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Net banking income reached TND 362.40 million in H1 2026, up 17.70 percent. For AMEN stock, net income reached TND 161.90 million.

Half-year strength and risk

Amen Bank's net income rose 23.70 percent to TND 161.90 million in the first half of 2026.
Net banking income reached TND 362.40 million, up 17.70 percent year over year.
The classified-loans ratio increased from 8.37 percent to 8.70 percent by June 30, 2026.
The next annual accounts update is scheduled by April 30, 2027.

AMEN, TN0003400058, Illustration mit AI erstellt.

Amen Bank (TN0003400058) posted a 23.70 percent increase in net income to TND 161.90 million for the first half of 2026, according to ilBoursa on September 15, 2026. The result was the strongest profit increase in the banking panel covered by the analysis.

Income growth came with a caveat

Net banking income rose 17.70 percent year over year to TND 362.40 million in the first half of 2026, from TND 308.00 million, according to Prime Partners Holdings. The bank's securities-portfolio income increased 31.80 percent, while its interest margin declined 4.80 percent, making the composition of earnings as important as the headline growth.

TeraFinances reported a 24.20 percent net margin and a 19.70 percent annualized return on equity for the period, compared with 16.40 percent a year earlier. The operating efficiency ratio fell to 35.30 percent, an improvement of 299 basis points.

Credit quality sets the next test

Amen Bank reported TND 7.57 billion in loans and TND 9.33 billion in deposits in the first half of 2026, producing an 81.20 percent loans-to-deposits ratio, ilBoursa reported. Classified engagements increased from 8.37 percent at the end of 2025 to 8.70 percent on June 30, 2026, while coverage stood at 72.21 percent.

What does the result mean?

The half-year numbers show why revenue quality matters for AMEN. Prime Partners Holdings notes that net banking income does not by itself establish profit quality because overheads, credit costs and one-off securities gains sit below that line. For investors, the combination of 23.70 percent net-income growth and a 4.80 percent fall in the interest margin makes the earnings mix a central reading point.

Annual accounts due by April 30, 2027

Prime Partners Holdings lists the next update as the 2026 annual accounts, due by April 30, 2027. That date gives the market a defined checkpoint for testing whether the first-half earnings mix continues into the full year.

Market value and yearly range

Amen Bank's market capitalization was TND 3.03 billion and its 52-week range was TND 45.02 to TND 100.00 as of October 13, 2026, according to the Investing.com market page. The stock is listed on the Tunis Stock Exchange under ticker AB, while the range places the latest quoted level below the annual high.