BIAT: Strengthening Market Leadership Through Innovation, Digitalisation, and Responsible Governance

BIAT continues to assert its dominance in the Tunisian financial market, reinforcing its resilience with positive results. These achievements reflect a strong risk management framework, forward-thinking governance, and the collective dedication of its employees. With a strategic focus on digital transformation, branch modernisation, and corporate social responsibility, BIAT is shaping the future of banking in Tunisia while staying committed to excellence in service and governance.

Bringing Banking Closer to Customers Through Digitalisation and Modernised Branches

Customer proximity, technological innovation, and a dynamic branch network remain central to BIAT’s development strategy. The bank has continued to roll out its new branch concept across Tunisia, enhancing customer experience through modern, welcoming spaces and improved service interactions. In 2024, approximately thirty branches were launched in key cities such as Tunis, Sousse, and Sfax. These redesigned spaces reflect BIAT’s values of commitment and transparency, offering a seamless blend of personalised advisory services and cutting-edge digital solutions.

As the banking landscape evolves, digitalisation has become essential for delivering seamless financial services. Over the past year, BIAT has significantly advanced its digital transformation efforts, ensuring that clients benefit from secure, efficient, and personalised banking experiences.

Following the success of MyBIAT, a digital platform designed for individuals and professionals that now boasts over 370,000 active users, the bank has expanded its services to corporate clients with the launch of MyBIAT Corporate. This initiative marks a new phase in BIAT’s innovation drive, allowing businesses and corporate groups to manage their finances digitally with greater efficiency, security, and flexibility.

Developed in close collaboration with corporate clients, MyBIAT Corporate is designed to address the specific needs of businesses. With enhanced security measures and tailored features, the platform enables companies to streamline financial operations, monitor transactions in real time, and access customised financial solutions. BIAT remains committed to continuously improving the platform by introducing new features that align with changing business requirements and technological advancements.

In parallel, BIAT continues to engage with its corporate clientele through regional networking events and financial advisory sessions. Business leaders, finance directors, and economic stakeholders gathered in Sousse and Sfax to discuss industry trends and explore banking solutions tailored to their needs. Additionally, BIAT hosted specialised sessions on foreign exchange risk management, equipping participants with the expertise needed to navigate market fluctuations and optimise international transactions.

By combining digital innovation, client engagement, and a robust branch network, BIAT is well-positioned to meet the evolving needs of its customers and reinforce its role as a leading financial institution in Tunisia.

Corporate Social Responsibility: A Commitment Beyond Banking

BIAT integrates corporate social responsibility into its business model, actively supporting initiatives in education, sports, and cultural heritage preservation.

The bank has demonstrated its dedication to inclusivity and sports development by partnering with the Tunisian Federation of Sports for the Disabled. Through this collaboration, BIAT has sponsored three promising Paralympic athletes, providing them with the necessary resources to train and compete at the Paris 2024 Paralympic Games. This initiative reflects the bank’s broader commitment to fostering young talent, encouraging excellence, and promoting diversity in sports.

Preserving Tunisia’s historical and cultural heritage is another pillar of BIAT’s social engagement. The bank has taken an active role in restoring landmark cultural sites, including the Belvédère municipal swimming pool and the Ibn Khaldoun Cultural Center, ensuring that these spaces remain accessible to the public and continue to contribute to Tunisia’s rich cultural landscape.

In the education sector, BIAT has focused on improving learning conditions for students in underserved regions. Working alongside public authorities, the bank has spearheaded efforts to rehabilitate and equip nearly a dozen schools, ensuring that students have access to a safe, well-resourced learning environment. These projects reflect BIAT’s belief that education is a cornerstone of social and economic progress, and its commitment to investing in the next generation of Tunisian leaders.

Through the BIAT Foundation, the bank has also played a role in promoting Tunisia’s intangible heritage, producing a series of cultural publications aimed at documenting and preserving national traditions. This initiative aligns with the foundation’s broader mission of supporting artistic expression, cultural development, and knowledge-sharing across generations.

As BIAT enters a new year, it remains steadfast in its dedication to community development, ensuring that its contributions extend beyond financial services to create a lasting, positive impact on Tunisian society.

Strengthening Governance for Sustainable Growth

BIAT has reinforced its governance framework, ensuring that its operations align with the highest international banking standards and best practices in risk management and corporate oversight.

Beyond regulatory compliance, the bank continues to refine its governance structure, introducing measures to enhance decision-making transparency, operational efficiency, and investor confidence. At the core of this strategy is a commitment to ethical banking practices, ensuring that BIAT remains a trusted financial partner for clients, stakeholders, and the wider economy.

To strengthen its governance model, BIAT has implemented:

• A more efficient decision-making process, allowing for faster responses to market changes and client needs.
• A strong risk management culture, safeguarding the bank’s financial stability and long-term sustainability.
• A focus on ethics and transparency, ensuring responsible banking practices that build client trust.

BIAT’s governance model is designed to balance financial performance with long-term sustainability, ensuring that the bank continues to serve as a pillar of stability and growth in Tunisia’s financial sector.

Looking ahead, BIAT remains focused on enhancing operational efficiency, expanding its digital banking ecosystem, and deepening its role in economic development. With a clear strategy and a commitment to innovation and responsible banking, BIAT is well-positioned to navigate the challenges and opportunities of the future.