Tunisia - "Banque de l’Habitat"

Project Summary

Approval Date 19 Oct 2016
Signature Date 27 Feb 2017
Sovereign / Non-Sovereign Non Sovereign
Sector Finance
DAC Sector Code 24030
Environmental Category 4
Commitment U.A 50,423,981.65
Status Completion

Project General Description

This project is a Trade Finance Line of Credit (TF LOC) of EUR 60 million to Housing Bank (BH) of Tunisia. This is the first of its kind in Tunisia and North Africa. The TF LOC is part of the AfDB trade finance program launched in 2013. This facility, which is a stable source of financing, will enable BH to have the necessary liquidity in foreign currency, in difficult economic times, to pre-finance the acquisition of energy products, construction equipment, fertilizers, and production in key sectors such as manufacturing, construction, health, education, services and agriculture. The TF LOC will provide BH with medium-term resources to strengthen and intensify the Tunisian financial sector, thereby improving the economic environment in general and the access to finance for SMEs in particular. These resources will thus support the efforts of SMEs to increase exports and conquer new markets, in a sluggish economic environment for the banking sector as a whole, characterized by the drying up of liquidity and the tightening of credit. The project involves also technical assistance (TA) of EUR 1 million to improve the risk management system of BH and build its capacity to finance SMEs.

Project Objectives

The objective of this financing is to facilitate the Tunisian Housing Bank's strengthening of its international trade finance activities for small and medium-sized enterprises (SMEs) and for small and medium-sized industries (PMI). This line of credit should thus contribute to reinvigorating the economic and commercial exchanges of BH. It will also support growth in the Tunisian market and strengthen its presence in Africa.


The project is expected to benefit mainly the Tunisian Housing Bank (BH), small and medium-sized enterprises (SMEs) and small and medium-sized industries (PMI) operating in the key sectors identified. The key sectors targeted by the line of credit are manufacturing, construction, health, education, services and agriculture

Participating Organization

African Development Bank


IATI identifier 46002-P-TN-HAB-003
Last Update 27 Mar 2023


Contact Details

Name Hammadoun Amadou DIALL
Email h.diall@afdb.org

Geographic Location

Country Tunisia
Coordinates Location Name
36.81897 10.16579 Tunis