Public Sector Financing: A Meager 13.88% of Total Bank Credits
According to the activity indicators of public banks for 2024, published on the website of the Financial Market Council (CMF), the share of credits granted by public banks to sectors related to the public good, such as agriculture, housing, and strategic sectors, does not exceed 13.88% of the total volume of their loans.
Breakdown of Public Sector Credits
- Total outstanding credits: 5859.3 million Tunisian dinars (Mtnd)
- Total credits granted: 42,207.7 Mtnd
The indicators, which concern the National Agricultural Bank (BNA), BH Bank, and the Tunisian Society of Banking (STB Bank), reveal a low mobilization of their financing in favor of the public good and strategic sectors.
Sector-Specific Financing
- Agricultural credits granted by BNA: 1168 Mtnd (7.19% of total credits)
- Housing credits granted by BH Bank: 1938 Mtnd (13.66% of total credits)
- Financing of public enterprises by STB Bank: 23.39% of total credits
Sectoral Orientation of Public Banks
- BNA Bank: primarily oriented towards commercial and industrial sectors
- BH Bank: primarily oriented towards services
- STB Bank: primarily oriented towards tourism and consumption
Limited Support for Public Services
Despite efforts to strengthen public investment through their banks, the support for direct public services remains limited, with a total outstanding credit of 5859.3 Mtnd at the end of 2024.
