The Macroprudential Oversight and Financial Crisis Management Committee met on October 6, 2025, at the headquarters of the Central Bank of Tunisia (BCT) for its eleventh session.
This meeting brought together all the members of the Committee, namely the Governor of the BCT, as Chair, the representative of the Ministry of Finance, the President of the Financial Market Council (CMF), the Chairperson of the General Insurance Committee (CGA), and the Director General of the Microfinance Authority (ACM).
The discussions focused on reviewing the economic and financial situation in Tunisia, as well as analyzing developments in the banking, insurance, and microfinance sectors.
Banking Sector Developments
In an international context still marked by strong uncertainties, the Tunisian banking sector continued to strengthen its fundamentals. The average solvency ratio stood at 14.2%, while the Tier 1 ratio reached 11.6%, generating a capital adequacy margin of 4%.
Bank deposits grew by 8.8% as of June 2025 compared to the same period in 2024, maintaining a satisfactory level of liquidity.
However, lending activity slowed down, with an increase limited to 1.1% during the first eight months of the year, affecting both corporate and household loans.
The ratio of non-performing loans increased slightly, rising from 14.4% in December 2024 to 15% in June 2025.
Insurance Sector Dynamics
The insurance sector continued its growth in 2024, recording a 10.8% increase in turnover to reach 3.8 billion dinars, and a growth in investments to 9.9 billion dinars.
In prudential terms, the sector maintained high coverage ratios: 307.3% for the coverage ratio and 105.9% for the solvency margin related to technical provisions.
Microfinance and Financial Inclusion
For its part, the microfinance sector continues to play a key role in promoting financial inclusion, with nearly 805,000 beneficiaries of microloans and an outstanding loan balance of 2.6 billion dinars as of March 2025.
The portfolio-at-risk ratio (30 days) remained stable at 3.5%, reflecting good credit risk management. The consolidated solvency ratio of microfinance institutions stood at 24.1% in 2024, according to estimates from the IMF.
