The net banking income (GNP) of the National Agricultural Bank (BNA) of Tunisia recorded at the end of the 2020 financial year, an increase of 4.5% compared to its level of 2019, announced the leaders of this banking establishment. based in Tunis.
This GNP stood at 683.716million dinars as of December 31, 2020 against 654.294million dinars a year earlier, an increase of 29.422 million dinars. Banking operating income reached 1.382 billion dinars during the period under review against 1.325 billion dinars as of December 31, 2019, registering an increase of 4.3%.
On these products, interest is predominant, reaching 1.116 billion against 1.073 billion in 2019 (+ 4%). Commissions on products amounted to 146.259 million dinars (+ 15.4%). For their part, the income from the securities-commercial portfolio fell sharply by 22.8% to 22.082 million dinars. In contrast, income from the investment portfolio increased slightly by 1.5% to 97.429 million dinars. Banking operating expenses increased by 28million dinars, from 670.483million dinars as of December 31, 2019 to 698.440million dinars as of December 31, 2020 (+ 4.2%).
According to the leaders of the BNA, the total amount of operating expenses decreased by 1.8% between December 2019 and December 2020, falling respectively from 290 million dinars to 284 million dinars. Among these operating costs, personnel costs fell by 3.7% to 204.999 million dinars. But general operating expenses rose 3.2% to 67.094 million dinars. Outstanding customer receivables, net of provisions and reserved agios, reached 12.071 billion dinars against 10.447 billion dinars in 2019, an increase of 15.6%.
For their part, customer deposits recorded, between December 2019 and December 2020 an increase of 388 million dinars in absolute value and 4.5% in relative value, rising respectively from 8.536 billion dinars to 8.924 billion dinars. he evolution of customer deposits is the essential fact of sight deposits with an increase of 28.7% to 2.890 billion dinars where savings deposits only increased by 9.4% to 3.108 billion dinars.