The previous two years have been distinctive — and through an unprecedented set of worldwide challenges, Tunisian financial institution BIAT has showcased its resilience.

Monetary power and good decision-making have allowed it to face the repercussions of the disaster, and flourish. By mobilising all BIAT groups, it has given steady assist to its 960,000 shoppers via a industrial community of 205 branches.

“We now have put in place assist measures for the good thing about our 39,000 enterprise {and professional} shoppers via the Moltazimoun initiative, launched in 2020 to assist protect the financial cloth and jobs in Tunisia,” says CEO Mohamed Agrebi.

“This has resulted within the granting of greater than $380m (1.1bn dinar) of assist credit over all areas of the nation.”

A number of key achievements have marked the previous two years.

BIAT Digital Transformation

The yr 2021 was marked by the launch of the primary model of the digital provide MyBIAT. Developed in shut collaboration with clients, MyBIAT gives digitalised providers to facilitate the processing and monitoring of distant banking operations. With a useful and intuitive design, MyBIAT is a safe banking software that complies with the newest technological requirements.

Acquisition of Tunisie Valeurs

In March 2020, BIAT Group strengthened its place by buying Tunisie Valeurs, a monetary establishment specialising in asset administration, inventory market intermediation, monetary engineering, and treasury securities. “By way of this transaction, our positioning on capital market actions has been consolidated,” says Agrebi. “Our company provide is extra full, with tailored assist for our shoppers from consultants out there.”

New Department Idea

In 2021, BIAT launched its new department idea, which displays the experience the financial institution gives its shoppers when it comes to relational assist and innovation and digital providers. “Two pilot websites have already been carried out. Along with the added worth supplied by the experience of our gross sales groups, we needed our branches to embody our values of transparency and dedication,” says Agrebi. “We additionally needed the method to be extra welcoming and user-friendly, for a smoother buyer expertise.”

Social Accountability

“When it comes to social duty, we’re conscious of the nation’s want for solidarity and cohesion. With this in thoughts, we made a donation of $6.37m (18.3 million dinar) to the 1818 fund, set as much as struggle towards Covid-19.
“We now have mobilised extra funds to finance the acquisition of medical gear and mobilise different gear crucial for well being providers.”

Rehabilitation of Faculties

BIAT took half within the first joint social duty motion of the Tunisian banking sector, initiated by APTBEF to assist public faculties. “We now have taken cost of the rehabilitation and fitting-out of 5 faculties in Kef and Kairouan,” Agrebi notes. “All of the work has been accomplished and can permit greater than 1,000 college students to proceed their college yr in good circumstances.”


As a part of its CSR method, BIAT continues to assist entrepreneurship via varied constructions. “Our goal is to contribute to the event of the entrepreneurial spirit of younger folks,” says Agrebi.

Incubator BIATLABS has enriched its programme, and celebrated the commencement of one other class of younger entrepreneurs. The BIAT Basis has continued to assist younger folks through programmes centered on entrepreneurship, schooling, and tradition. The fifth version of SPARK CLUB, the BIAT Basis’s entrepreneurial programme for younger folks aged 15 to 18, helped greater than 600 younger folks to rework their concepts into initiatives.

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