BIAT stock fell 3.00 percent on October 7 while H1 profit grew

BIAT stock fell 3.00 percent to TND 161.50 on October 7, 2026, while its 52-week range ran from TND 101.00 to TND 190.00. The move followed a session in which BIAT was the most actively traded stock by value on the Tunis Stock Exchange.

Profit growth outpaced revenue

BIAT's H1 2026 net income reached TND 271.4 million, up 10.3 percent from TND 246.1 million in H1 2025. The figures are reported for the six months ended June 30, 2026, in a research note by Prime Partners Holdings updated October 2, 2026.

Net banking income rose 1.9 percent to TND 802.7 million over the same period, making the profit increase materially faster than the top-line measure. Prime Partners Holdings links the difference mainly to a lower cost of risk, which stood at TND 17.9 million in H1 2026.

Deposits leave room for lending

BIAT held TND 23.022 billion in customer deposits and TND 13.209 billion in customer loans at June 30, 2026, according to Prime Partners Holdings. That produced a 57.4 percent analytical loans-to-deposits ratio, leaving deposits well above the loan book.

The balance-sheet comparison sharpens the investor question: profit growth was driven more by risk-cost normalization than by net banking income. The note therefore identifies the deployment of surplus balance-sheet capacity at an adequate risk-adjusted return as BIAT's next operating challenge.

Stock remains below yearly high

At TND 161.50 on October 7, 2026, BIAT stood 15.0 percent below its 52-week high of TND 190.00 and 59.9 percent above its 52-week low of TND 101.00. The quote page showed a session range of TND 161.50 to TND 168.70 and volume of 22,050 shares.

BIAT's market capitalization was TND 6.6 billion as of October 7, 2026. The combination of 10.3 percent H1 net income growth and a 57.4 percent loans-to-deposits ratio places capital deployment and credit quality alongside the share price as the key measures for the next update.

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