STB stock: STB Bank reports 12.60 percent PNB growth. What it means for STB stock

Published on 10/22/2026 at 03:51 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Third-quarter PNB rose 12.60 percent to TND 194.00 million on October 21, 2026. This means TND 13.21 billion in deposits for STB stock.

Operating indicators and capital allocation

Third-quarter net banking income reached TND 194.00 million on October 21, 2026.
Customer deposits reached TND 13.21 billion, up 10.35 percent year over year at September 30, 2026.
STB selected a TND 1,375,601.16 storage-solution contract on October 5, 2026.

STB, TN0002600955, Illustration mit AI erstellt.

STB Bank (TN0002600955) reported a 12.60 percent year-over-year rebound in third-quarter net banking income to TND 194.00 million on October 21, 2026, according to UniversNews. The result improved the bank's quarterly trend even as cumulative net banking income remained below the prior-year level.

Customer deposits rose 10.35 percent year over year to TND 13,209.10 million at September 30, 2026, while the investment securities portfolio increased 19.43 percent to TND 5,260.40 million, the same report said. The funding picture therefore strengthened faster than lending, with net customer loans down 1.64 percent to TND 8,625.30 million.

What changed in the third quarter

The latest indicators show a sharper quarterly recovery than the nine-month total. Net banking income for the first nine months was TND 507.70 million, down 2.90 percent from TND 522.70 million a year earlier. At the same time, securities-portfolio revenue rose 18.90 percent to TND 379.40 million, helping offset weaker interest income.

Cost control remains mixed. Banking operating expenses fell 6.72 percent to TND 528.20 million in the first nine months, but operating expenses rose 6.19 percent to TND 268.40 million. The operating ratio consequently reached 52.87 percent, compared with 48.36 percent a year earlier, according to the figures carried by Tustex.

Three dated developments with figures

On September 28, 2026, the Tunis Stock Exchange bulletin listed STB among the 20 constituents of the TUNINDEX20. On October 5, 2026, STB selected a storage-solution bid from Groupement ACT and WAYCON for TND 1,375,601.16 including taxes, according to the STB Bank. On October 21, 2026, the bank reported TND 194.00 million in third-quarter net banking income, the latest of the three developments.

Why does the deposit growth matter

The deposit increase gives STB a larger funding base while credit demand remained restrained. Customer deposits added TND 1,238.80 million year over year, whereas net customer loans declined TND 144.10 million. That spread points to stronger liquidity, but the higher operating ratio shows that revenue growth has not yet translated into equivalent efficiency.

Company profile and next reference point

STB Bank is a Tunisian commercial bank whose latest operating indicators cover the period ended September 30, 2026. The next useful reference for the stock is the bank's subsequent reporting update, with the third-quarter figures providing the current operating baseline.