BIAT Retrospective

BIAT has been implementing its strategic projects. The consolidation of itsfinancialperformanceatteststothestrongdevelopmentmomentum of its strategic projects, its prudent risk management policy, its cost control, the consolidation of its sound and visionary governance and the daily commitment of its employees to achieving these objectives.

A solid and resilient bank, BIAT has maintained a growth trajectory across all its business lines. By leveraging the skills of its experts, taking advantage of technological advances and anchoring social responsibility at the heart of its strategy, BIAT aims to achieve dynamic and sustainable growth.

The bank’s corporate governance system has been updated to adapt it to the various organizational changes and in line with best managerial practices. Aligned with international best practice, the new system is designed to ensure that the bank is managed efficiently and operates optimally to achieve healthy, secure growth. It also instills solid policies in terms of ethics and good conduct, which are the foundation of the bank’s sustainable performance.

The transformation of the bank’s business lines, with the reorganisation of its corporate and investment banking activities and the installation of its new dealing room, has enabled it to broaden its range of financial products and services to better support its customers. The new dealing room meets international standards. Thanks to specialised talent, cutting-edge technology and a modern layout, BIAT’s new dealing room supports its customers by analysing their needs and proposing optimal financial solutions.

BIAT has also continued to implement its digital transformation project, which is bearing fruit in terms of customer engagement and product innovation. It is constantly rolling out new functionalities with the aim of becoming the benchmark digital bank. Following the launch in 2021 of the first version of the MyBIAT digital offering dedicated to individual customers, BIAT has continued to develop the new offering dedicated to businesses. With over 270,000 active users, MyBIAT is an innovative, highly secure platform tailored to each user’s profile, offering a new digital experience tailored to all BIAT customers. It has been designed to provide customers with a channel of contact and proximity to the bank at all times, as well as a tool to facilitate the monitoring of their banking transactions and interact remotely.

As a responsible and civic-minded bank, BIAT has strengthened its social commitments. Aware of the importance of environmental issues in the development of a sustainable future, BIAT joined the ABLC - Africa Business Leaders Coalition - initiative and signed the Climate Statement. By signing up to this initiative, BIAT is reaffirming its ongoing commitment to economic, social and environmentalissues.Ithasalsoreneweditspartnershipwith the association La Saison Bleue, which works to protect the coastline and the marine environment. The BIAT Foundation, for its part, has undertaken an operation to rehabilitate the

Belvedere plant garden in Tunis by planting trees as part of an effort to preserve the environment.

BIAT also features among the most solid banks in Africa in the Top 100 African banks published by African Business in October 2022. It is ranked first in the Tunisian banking system and 38th in Africa, 12 places up on the 2021 ranking.

A solid and responsible bank, BIAT has been at the forefront of the dynamic development of its activities by focusing on digital transformations and social responsibility, while acquiring the best experts to promote responsible and sustainable growth.