Prime Partners Holdings · Tunisian listed banks: H1 2026
Conventions of the file banques-s1-2026.csv
Full note: https://primepartners.tn/tunisian-listed-banks-h1-2026/
Method and definitions: https://primepartners.tn/method-and-publishing-principles/

Format: comma separator, decimal point, one row per bank, headers in English.
Empty cell: change not meaningful (n.m.); figure not available (n.a.).
Rounding: computed ratios to one decimal place; published rates kept at their own precision.
Reuse: credit «Prime Partners Holdings» with the link to the note.

bank: Bank.
customer_loans_mtnd: Customer loans at 30 June 2026, in millions of dinars. Convention «Outstanding amounts»: net customer amounts at 30 June 2026, as published; the most comparable figures retained, with no regulatory standing.
customer_deposits_mtnd: Customer deposits at 30 June 2026, in millions of dinars. Convention «Outstanding amounts»: net customer amounts at 30 June 2026, as published; the most comparable figures retained, with no regulatory standing.
loans_to_deposits_pct: Loans / deposits, in %. Convention «Loans / deposits»: net customer loans divided by customer deposits; an analytical ratio, computed from the published financial statements.
nbi_h1_2026_mtnd: NBI for H1 2026, as published, in millions of dinars.
nbi_change_vs_h1_2025_pct: Change in NBI against H1 2025, in %. Convention «Changes»: NBI, interest income, interest expense, fees, operating costs, gross operating income, cost of risk and net profit for H1 2026 against H1 2025, as published (BH Bank and UIB: H1 2025 restated by the bank).
net_income_h1_2026_mtnd: Net profit for H1 2026, as published, in millions of dinars.
net_income_change_vs_h1_2025_pct: Change in net profit against H1 2025, in %. Convention «Changes»: NBI, interest income, interest expense, fees, operating costs, gross operating income, cost of risk and net profit for H1 2026 against H1 2025, as published (BH Bank and UIB: H1 2025 restated by the bank). Empty cell: change not meaningful (n.m.).
cost_of_risk_to_nbi_pct: Cost of risk / NBI, in %. Convention «Cost of risk / NBI»: provisions on loans, off-balance-sheet items and liabilities, divided by NBI.
total_capital_ratio_pct: Total capital ratio, in %. Convention «Solvency»: latest ratio published with the CMF (financial statements or annual report), taken at its published precision and dated; n.a. otherwise. Empty cell: figure not available (n.a.).
tier1_ratio_pct: Tier 1 ratio, in %. Convention «Solvency»: latest ratio published with the CMF (financial statements or annual report), taken at its published precision and dated; n.a. otherwise. Empty cell: figure not available (n.a.).
capital_ratio_date: Date of the solvency ratio used (YYYY-MM-DD). Convention «Solvency»: latest ratio published with the CMF (financial statements or annual report), taken at its published precision and dated; n.a. otherwise. Empty cell: figure not available (n.a.).
capital_ratio_source: CMF-published document the capital ratios are taken from (document and page); links in the «Sources of the capital ratios» section of this file. Convention «Solvency»: latest ratio published with the CMF (financial statements or annual report), taken at its published precision and dated; n.a. otherwise. Empty cell: figure not available (n.a.).

Sources of the capital ratios (documents published with the Conseil du Marché Financier):
Amen Bank: Annual report 2025, p. 24. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/rapport_annuel_2025_amen_bank.pdf
Attijari Bank: Interim financial statements at 30/06/2026, p. 21. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/consultations/attijaribank_efi30062026.pdf
BH Bank: Annual report 2025, p. 35. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/rapport_annuel_2025_bh_bank.pdf
BIAT: Annual report 2025, p. 29. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/rapport_biat_2025.pdf
BNA: Annual financial statements 2025, p. 18. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/bna_bank_efd311225.pdf
Banque de Tunisie: Annual management report 2025, p. 15. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/bt_rapport_annuel_de_gestion_31.12.2025.pdf
STB Bank: Annual report 2025, p. 43. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/rapport_annuel_stb_2025.pdf
UBCI: Annual report 2025, p. 33. https://www.cmf.tn/sites/default/files/pdfs/emetteurs/informations/rapports-societes/rapport_annuel_2025_ubci.pdf