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Overview of the Tunisian Banking Sector

The Tunisian banking sector has undergone significant transformations over the years. Here are some key points related to its performance:

Structure and Growth

• The Tunisian banking sector comprises 23 resident banks, consisting of 20 conventional banks and 3 Islamic banks.
• The sector has experienced two major periods:
  • From independence until 2001, when commercial banks focused on granting short-term loans
  • From 2001 onwards, when banks became universal and could diversify their businesses

Credit to the Economy

• Credit to the economy has continued to increase over the years:
  • 41,411.8 MTD (Million Tunisian Dinars) in 2011
  • 67,809.7 MTD in 2017

Deposits and Liquidity Risk

• Deposits have also grown, mainly collected from individuals who benefited from the increase in the number of bank branches and lack of investment alternatives.
• The credits-to-deposits ratio has increased, indicating higher liquidity risk for banks.

Non-Performing Loans Ratio

• The non-performing loans ratio has deteriorated over the years:
  • 11.3% in 2011
  • 14.4% in 2016

Provisioning Policy and Financial Solidity

• Banks have applied a provisioning policy to consolidate their stable and long-term resources, increasing their financial solidity and lending capacity.