STB reports 59.40 percent profit drop: what it means for STB stock

Published on 10/14/2026 at 02:52 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

STB's net profit fell to TND 9.062 million in the first half of 2026. For STB stock, deposits rose 4.00 percent to TND 12.973 billion.

Profit and balance sheet facts

STB reported a 59.40 percent net profit decline for the first half of 2026 on September 15, 2026.
Customer deposits rose 4.00 percent to TND 12.973 billion by June 30, 2026.
The next documented tender deadline is October 21, 2026.

STB, TN0002600955, Illustration mit AI erstellt.

STB (TN0002600955) reported a 59.40 percent net profit decline to TND 9.062 million in the first half of 2026, according to AllAfrica on September 15, 2026. The result fell from TND 22.318 million in the first half of 2025, making earnings the central measure for STB stock.

What the profit drop means

The pressure was not limited to net income. Banking operating income declined 9.00 percent to TND 664 million in the first half of 2026 from TND 728 million a year earlier, while operating expenses rose 7.30 percent to TND 350 million, according to AllAfrica.

For investors, the balance sheet provides a counterpoint to the earnings decline. Customer deposits increased 4.00 percent to TND 12.973 billion by June 30, 2026, while customer loans decreased 4.11 percent to TND 8.720 billion, according to the same first-half statements reported by AllAfrica.

Upcoming tenders add dated activity

STB's recent operating calendar has also included procurement activity. The bank listed consultation CD23/2026 on October 9, 2026, covering an IT service-management and monitoring solution, according to the STB Bank website.

A separate agency renovation tender, identified as AO 26/2026, set October 21, 2026 as the offer-receipt deadline, according to STB Bank.

Balance sheet expands 3.50 percent

The total balance sheet grew 3.50 percent to TND 15.900 billion at June 30, 2026 from TND 15.236 billion a year earlier, according to AllAfrica. That combination of higher deposits, lower loans and weaker income leaves the bank with a clear operating question: converting balance-sheet capacity into profitable lending.