About ATIB

ATIB leads banking innovation in Libya through continuous digital adoption offering customer-centric technologies and superior banking experiences its commitment to innovation satisfaction and strategic excellence positions it as a trusted forward-thinking financial institution delivering exceptional value

Our vision

To be Libya's pioneering bank in technical innovation to highlight our banking imprint, and to be the employer of choice in Libya, in addition to being Libya's number 1 corporate bank in terms of services - quality - and products

Our vision

To be Libya’s #1 corporate bank in services, quality, and products; lead in technological innovation; uphold confidentiality and privacy; expand Islamic banking branches fully Sharia-compliant; and be the employer of choice in Libya.

Our values

Join ATIB

Integrity

We are committed to trust, honesty, and ethical standards, applying best practices in customer service to achieve success.

Respect

We foster an inspiring work environment built on mutual respect, ensuring strong and lasting customer relationships.

Innovation

We work smart to keep pace with change, always seeking new solutions and creative ideas to enhance our services.

People Development

Our employees are the backbone of our company. We invest in their professional growth and promote a healthy work-life balance.

Customer Focus

Our customers are at the center of everything we do. We strive to exceed their expectations and build meaningful, lasting partnerships.

Our history

Discover the key milestones that shaped ATIB’s journey from our beginnings to our
continued commitment to innovation in Libyan banking
1997

Establishment

Founded as Al Ahli Tripoli Bank, marking the beginning of our journey in the Libyan banking sector.

2007

Transformation and Rebranding

The bank transitioned into a financial joint-stock company and adopted its new name: Assaray Trade & Investment Bank (ATIB), under new board and management.

2012

New Leadership and Strategy

A new board of directors and general manager were appointed. ATIB began working with Ernst & Young to develop a forward-looking strategy for continuous growth and development, leveraging the bank’s strengths and competitive advantages.

2014

Strategic Projects Launched

ATIB initiated several strategic projects, including the implementation of a new core banking system, rebranding efforts, and improvements to the business environment and service levels.

2017

E-Payment Partnership with Tadawul Technology

ATIB became a strategic financial solutions partner for Tadawul Technology Company, acquiring a 10% stake in the company.

2018

Expansion with New Branches

ATIB opened new branches in Tripoli and began preparations to launch its main branch in Benghazi.

2019

Capital Increase and Eastern Region Headquarters

In April, ATIB increased its capital to 100 million LYD and updated its articles of association to include Islamic banking, in line with Law No. 46 amending Law No. 1 (2005) on banks. In October, ATIB opened its Eastern Region Headquarters and main branch in Benghazi, along with two new Namaa Tamweel microfinance branches in Tripoli and Benghazi.

2020

Core Banking System Upgrade

The ATIB team successfully upgraded the bank’s core banking system to T24, enhancing digital services, operational efficiency, and supporting continued growth.

Welcome to the
ATIB Investors Window

At Assaray Trade and Investment Bank (ATIB), we value the trust investors place in us. The Investors Window is designed to provide clear, reliable, and timely information to support sound investment decisions.

Our focus on strong governance, prudent financial management, and alignment with international banking standards ensures that our stakeholders have access to the facts that matter, presented with accuracy and professionalism.

Financial Performance Reports

Indicators
Description
Purpose/Reason for Disclosure
Income Statement (Profit & Loss)
Overview of revenue, expenses, and net income over a period.
Shows the bank’s profitability and operational efficiency. It helps investors assess the bank's financial performance over time.
Capital Adequacy Ratio (CAR)
The ratio of a bank's capital to its risk-weighted assets.
Ensures the bank has enough capital to cover potential losses, ensuring financial stability.
Tier 1 Capital
Core capital ratio (common equity, retained earnings) to risk-weighted assets.
A critical measure of a bank's financial strength and resilience. Tier 1 capital is the highest-quality capital and serves as a buffer in times of financial distress.
Loan-to-Deposit Ratio (LDR)
The ratio of total loans issued by the bank to its deposits.
Measures the bank’s liquidity and lending capacity. A higher ratio can indicate aggressive lending or liquidity concerns.
Non-Performing Loan (NPL) Ratio
The percentage of loans that are not being repaid on time.
Measures the bank’s credit risk and asset quality. High NPLs may indicate a higher risk of loan defaults.
Return on Equity (ROE)
Net income as a percentage of shareholders' equity.
Measures the profitability relative to equity invested. A higher ROE is generally positive for investors.
Return on Assets (ROA)
Net income as a percentage of total assets.
Measures how efficiently the bank is using its assets to generate profits.
Net Interest Margin (NIM)
The difference between interest income and interest expense, as a percentage of average earning assets.
Measures how effectively the bank is managing its core lending business.
Liquidity Coverage Ratio (LCR)
Ratio of high-quality liquid assets to total net cash outflows over 30 days.
Ensures the bank can meet short-term obligations in times of financial stress.
Net Stable Funding Ratio (NSFR)
Ratio of available stable funding to required stable funding, over a one-year horizon.
Measures the bank’s ability to maintain stable funding over a longer time frame (one year), ensuring the bank can withstand funding shocks and maintain liquidity over time.
Leverage Ratio
The ratio of a bank's core capital to its total assets.
Ensures the bank has sufficient capital to absorb losses, used as a backstop to risk-based capital measures like CAR.
Dividend Payout Ratio
The proportion of earnings paid out as dividends to shareholders.
Shows the bank's ability to distribute profits to shareholders, signaling profitability and financial health.
Operating Efficiency Ratio
Ratio of operating expenses to total income.
Indicates how well the bank is managing its operational costs relative to its income. Lower ratios suggest better cost control.

Annual Reports

Annual report 2021

Annual report 2020

Annual report 2019

Annual report 2018

Annual Report 2017

Annual Report 2016