Question 1

What is BH Bank?

Accepted Answer

BH Bank (formerly Banque de l'Habitat) is a state-controlled universal bank in Tunisia and the country's leading mortgage lender. Listed on the Bourse de Tunis since 1992, BH Bank serves retail and corporate clients throughout Tunisia, with particular expertise in real estate financing and housing development.

The bank holds approximately 12.4% of total net credit to customers in the Tunisian banking sector.

Question 2

When was BH Bank founded?

Accepted Answer

BH Bank traces its origins to 1973 when it was established as the Caisse Nationale d'Épargne Logement (CNEL), a government fund dedicated to housing finance. In 1989, CNEL was transformed into Banque de l'Habitat, a commercial bank with universal banking capabilities.

The institution was listed on the Bourse de Tunis in 1992. In 2019, the bank rebranded to BH Bank, adopting a new visual identity and commercial name to reflect its evolution beyond housing finance into a full-service banking group.

Question 3

Where is BH Bank headquartered?

Accepted Answer

BH Bank is headquartered at 18, Avenue Mohamed V in Tunis, Tunisia. The bank's headquarters building, constructed between 2003 and 2010, stands 66.2 meters tall with 16 floors, making it one of Tunisia's tallest buildings.

The architectural landmark reflects the bank's prominent position in the Tunisian financial sector.

Question 4

Where does BH Bank operate?

Accepted Answer

BH Bank operates throughout Tunisia via a network of 151 branches covering the entire national territory. The bank maintains a strategic proximity approach to serve clients in urban centers, regional cities, and smaller communities.

Branch locations span from coastal cities like Tunis, Sousse, and Sfax to interior regions, ensuring comprehensive geographic coverage. The bank plans to expand to 150 branches as outlined in its growth strategy.

Question 5

What services does BH Bank offer?

Accepted Answer

BH Bank offers comprehensive banking services including mortgage loans, personal loans, business financing, savings accounts, checking accounts, and investment products. The bank specializes in residential real estate financing, having financed over 600,000 housing units representing approximately 30% of Tunisia's housing stock.

Corporate services include commercial lending, treasury management, trade finance, and cash management solutions. Digital banking platforms provide online account access, mobile banking applications, and remote banking services available 24/7.

The bank also offers wealth management through its SICAV BH Placement fund and insurance services through its subsidiary Assurances SALIM.

Question 6

What makes BH Bank unique?

Accepted Answer

BH Bank's distinction lies in its pioneering role as Tunisia's mortgage lending leader and its contribution to national housing development over five decades. The bank was named Best African Bank for Mortgage Lending in 2008 and crowned Best Regional Bank in North Africa at the 2019 African Banker Awards.

With roots in social housing finance, BH Bank maintains a strong commitment to financial inclusion while expanding into comprehensive retail and corporate banking. The bank's state ownership (33.37% direct government shareholding) combined with public listing creates a unique governance structure balancing public service and commercial objectives.

Question 7

What type of financial institution is BH Bank?

Accepted Answer

BH Bank is a universal bank (banque universelle) operating under Tunisian banking law and supervised by the Central Bank of Tunisia (Banque Centrale de Tunisie - BCT). As a state-controlled deposit bank, it provides retail banking, corporate banking, mortgage lending, and investment services.

The institution combines characteristics of a development bank focused on housing finance with full commercial banking capabilities, serving both individual consumers and business clients across all economic sectors in Tunisia.

Question 8

What is the BH Bank Group?

Accepted Answer

BH Bank operates as the parent company of an integrated financial services group. The BH Bank Group includes specialized subsidiaries covering complementary financial sectors: BH Leasing for equipment and real estate leasing, Modern Recouvrement for debt recovery, BM Technologies for IT services, Assurances SALIM for insurance and reinsurance, and SICAV BH Placement for investment management.

In 2016, BH Bank acquired 51.6% of Banque de l'Habitat de Côte d'Ivoire, facilitating Tunisian investor access to Ivorian real estate markets and establishing an international footprint.

BH Bank

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About BH Bank in Tunisia