Against All Expectations, the Tunisian Economy Continues to Gain Efficiency and Our Finances Solidity
Despite the challenges, the Tunisian economy is showing signs of improvement, and the country's finances are becoming more solid.
The Role of Tunisian Banks in the Economic Recovery
In this context, it is essential to acknowledge the crucial role played by Tunisian banks in the different phases of economic recovery. Their engagement and involvement have been instrumental in supporting the national development policy, particularly through the regular financing of strategic sectors such as industry, tourism, and agriculture.
Historical Support of the National Development Policy
Historically, the banking sector has always been committed to supporting the national development policy. Over the past few years, despite the complexity of the economic situation and the constraints of the international financial market, the contribution of banks has significantly increased.
Recent Statistics
According to the latest statistics from the Central Bank of Tunisia (BCT), in August 2025, Tunisian banks lent approximately 14.3 billion dinars to the state, representing a 37.5% increase over the past year. These loans now account for 17.9% of the total assets of banks, a level considered too high due to the lack of financing opportunities both nationally and internationally.
Exceptional Measures
Banks are being forced to take exceptional measures to respond to urgent public payments and support the national level of liquidity. The Head of State has repeatedly emphasized the importance of the banking sector's responsibility in achieving the country's strategic orientations, especially during difficult times.
A Call to Action
The Head of State has appealed to banks to prioritize the superior interest of Tunisia, stating that "the state has its laws, and commercial transactions have their uses, but the superior interest of Tunisia must take precedence over all other considerations." The banks have responded favorably to this call.
Criticisms and Challenges
Despite the importance of their engagement, some observers criticize banks for their timid involvement in national development. They argue that the recent commitment of the banking sector is conjunctural and lacks a well-planned strategy or vision, particularly in the long term.
A High Sense of Responsibility
However, it is believed that Tunisian banks are providing sufficient support to the needs of the national economy. They demonstrate a high sense of responsibility and total commitment to national strategic choices, within the limits of their means.
The Risks of Excessive Involvement
It is essential to remember that excessive involvement of banks can lead to a depletion of their liquidity and, worse, a drying up of their resources. This would have severe consequences, including a direct impact on economic performance, a halt in savings, a blockade of credits, a freeze on financing, and a slowdown in consumption, not to mention the consequences on investment and productivity.
The Need for a Balanced Approach
Banks must adopt an intelligent and balanced approach, without failing in their national duty. They should focus on expanding their resilience and gaining more financial competitiveness through a profound and global reform that emphasizes the modernization of services, the acceleration of digitalization, and the expansion of their internationalization.
Conclusion
By doing so, Tunisian banks will be able to fulfill their national duties with more flexibility and assurance, ultimately contributing to the country's economic growth and development.
By Anis SOUADI
