Best bank 2025: BIAT
BIAT has demonstrated remarkable performance and innovation in 2024, establishing it as Euromoney’s winner of the award for Tunisia’s best bank.
The bank reported a significant increase in its net banking income, reaching TD1.5 billion ($525 million), and saw customer deposits swell to TD20.8 billion, underpinning its robust financial health and trust among clients.
In terms of physical presence and client engagement, BIAT took significant strides by inaugurating 30 new concept branches, thereby expanding its network to 206 locations across the nation. These branches are designed to offer enhanced customer service and have helped the bank increase its clientele to over 900,000 individuals.
Technological innovation was a key area of focus for BIAT in 2024. The bank successfully expanded its MyBIAT retail platform, which now boasts over 370,000 users. It also launched MyBIAT Corporate, equipping businesses with advanced digital banking tools essential for modern corporate management.
The establishment of a dedicated innovation and technology subsidiary in 2024 further strengthens BIAT’s commitment to digital innovation, enhancing cybersecurity measures and modernising client interfaces to meet rising digital expectations.
Community engagement and corporate social responsibility were also evident in BIAT’s activities. The BIAT Foundation actively contributed to societal welfare by supporting over 200 students and refurbishing nine public schools. These initiatives significantly benefit the educational landscape and support youth development in Tunisia.
Overall, BIAT’s comprehensive approach to expansion, client service, technological advancement and community support clearly establishes its leadership and commitment to enhancing banking standards and societal wellbeing in Tunisia.
Best bank for customer experience 2025: Attijari Bank
Attijari Bank has made considerable strides in enhancing customer experience within Tunisia, earning its recognition as Tunisia’s best bank for customer experience.
The bank’s transformation initiative is highlighted by a dramatic increase in its customer onboarding conversion rate, which escalated from 30% to 79% in 2024. This improvement followed the implementation of a fully digital onboarding process incorporating advanced technologies such as facial recognition and optical character recognition.
In a move towards bolstering digital payments and promoting financial inclusion, Attijari Bank integrated major utility providers into its Attijari Realtime platform. As a result, over 10,000 bills were processed through this service in 2024, marking a significant adoption rate among its customers.
Attijari Bank launched a pioneering initiative to support its small and medium enterprise (SME) clients by piloting a voice bot designed to communicate in the Tunisian dialect. This bot aids SMEs in navigating digital loan applications, significantly enhancing accessibility and user-friendliness.
The bank’s commitment to digital innovation continued with the rollout of 100% digital onboarding and loan application processes. These processes allow for remote document uploads, electronic signatures and real-time application tracking, thereby accommodating the needs of customers preferring complete remote banking solutions.
Additionally, Attijari Bank introduced an omnichannel support system which successfully handled almost half of all claims and service requests in 2024. This system includes multiple channels such as WhatsApp, email and a call centre, further underscoring the bank’s dedication to improving the banking experience through technological integration and customer-focused services.
