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In this section, find out the last available BIAT Financial highlights.
PROFITABILITY RATIOS
| Year |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
| NBI /Average Asset |
6,04% |
5,80% |
5,41% |
5,33% |
5,10% |
5,44% |
| NIM /Average Asset |
4,19% |
4,01% |
3,83% |
3,71% |
3,54% |
3,70% |
| Commission & non Banking Income /NBI |
30,5% |
30,8% |
29,2% |
30,3% |
30,6% |
32,0% |
| Cost-to-income ratio |
58,8% |
62,8% |
62,50% |
62,1% |
66,7% |
59,60% |
| Net Income /NBI |
22,50% |
14,2% |
14,0% |
9,4% |
10,7% |
9,9% |
| R.O.A.E |
14,7% |
9,60% |
9,2% |
6,6% |
7,2% |
6,3% |
| R.O.A.A |
1,36% |
0,82% |
0,76% |
0,50% |
0,55% |
0,54% |
CAPITAL ADEQUACY
| Year |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
| Net Loans/Assets |
64,00% |
70,40% |
66,1% |
64,0% |
65,8% |
62,1% |
| Net Loans/Deposits |
80,00% |
88,5% |
82,9% |
80,20% |
80,4% |
74,1% |
| Equity/Assets |
9,30% |
8,7% |
8,40% |
7,6% |
8,1% |
9,70% |
ASSET QUALITY
|
Year |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
| NPL/Gross Risk |
13,80% |
14,90% |
14,60% |
13,5% |
13,9% |
13,40% |
| Provisions/NPL |
39,40% |
35,90% |
40,2% |
50,9% |
54,30% |
60,70% |
| Risk Cover Ratio |
9,38% |
9,17% |
8,93% |
11,15% |
11,61% |
13,88% |
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©2010 BANQUE INTERNATIONALE ARABE DE TUNISIE