Tunisia - BH Bank (formerly known as Banque de l’Habitat) (AFDB-P-TN-HAB-013)

  • Tunisia
Where the impacts of the investment may be experienced.
Financial Institutions
  • African Development Bank (AFDB)
International, regional and national development finance institutions. Many of these banks have a public interest mission, such as poverty reduction.
Project Status
Bank Risk Rating
Risk rating varies among banks and may refer only to the particular investment and not to the risk for the project as a whole. Projects marked 'U' have an 'Unknown' risk rating at the time of disclosure.
Voting Date
Jun 26, 2019
The estimate day the bank will vote on a proposed investment. The decision dates may change, so review updated project documents or contact the EWS team.
BH Bank
The holder of the loan, grant, or other investment.
  • Finance
The service or industry focus of the investment. A project can have several sectors.
Investment Type(s)
The categories of the bank investment: loan, grant, etc.
Investment Amount (USD)
Not Disclosed
When disclosed, the bank did not provide this value. Please review updated project documents for more information.
Primary Source

Original disclosure @ AFDB website

Updated in EWS Sep 11, 2020

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Project Description

According to bank documents, the present project concerns BH Bank (formerly known as Banque de l'Habitat). The project is expected to help finance borrowers, in particular small and medium-sized enterprises (SMEs) and companies, operating in the health, construction (social housing), industry and renewable energy sectors. The proposed long-term line of credit of EURO 100 million will enable BH Bank to gain access to muchneeded financial resources to grow its loan portfolio thereby contributing to Tunisia's development. Through the proposed line of credit, the AfDB is expected to contribute to diversifying and lengthening the maturity profile of BH Bank's funding and enhancing its ability to extend term financing to viable borrowers at a time when Tunisia's financial sector is experiencing a severe liquidity squeeze.

The purpose of the line of credit is to enable the financing of borrowers, in particular small and medium-sized enterprises (SMEs) and companies operating in the health, construction (social housing), industry and renewable energy sectors.

Investment Description
  • African Development Bank (AFDB)
Private Actors
Contact Information

Name SEKIOUA Sofiane Hicham


The Independent Review Mechanism (IRM), which is administered by the Compliance Review and Mediation Unit (CRMU), is the independent complaint mechanism and fact-finding body for people who have been or are likely to be adversely affected by an African Development Bank (AfDB)-financed project. If you submit a complaint to the IRM, it may assist you by either seeking to address your problems by facilitating a dispute resolution dialogue between you and those implementing the project and/or investigating whether the AfDB complied with its policies to prevent environmental and social harms. You can submit a complaint electronically by emailing crmuinfo@afdb.org, b.kargougou@afdb.org, b.fall@afdb.org, and/or s.toure@afdb.org. You can learn more about the IRM and how to file a complaint at https://www.afdb.org/en/independent-review-mechanism/