Banque de Financement des Petites et Moyennes Entreprises

The Banque de Financement des Petites et Moyennes Entreprises (BFPME) is a Tunisian public bank placed under the supervision of the Ministry of Finance. It was created on 1 March 2005 with the specific mission of supporting small and medium-sized enterprises (SMEs) by providing credit and financing solutions adapted to their needs. Its initial capital was fifty million dinars, which doubled in 2009 to reach one hundred million dinars. The bank maintains a presence across the country, with an agency in each governorate in addition to its head office in Tunis. BFPME's core activity is the financing of SMEs, including support for project promoters and entrepreneurs. The bank organizes weekly assistance sessions for project idea holders, reflecting its developmental role in the Tunisian economy. It offers various credit and financing products, including honor loans (crédits d'honneur), and publishes calls for tenders and public notices as part of its operations. The bank also communicates regularly with its stakeholders through announcements and news updates on its official website. Ownership of BFPME has evolved over time. At its creation, the capital structure included the Tunisian State (60%), Groupe chimique tunisien (22%), Tunisie Télécom (10%), Office de l'aviation civile et des aéroports (6%), and Office du commerce de Tunisie (2%). In 2024, following accumulated losses of 108 million dinars, the bank underwent a capital restructuring that reduced its capital by 90% to 10 million dinars, followed immediately by a capital increase of 59 million dinars, bringing the new capital to 69 million dinars. As a result, the State's share now represents more than 94% of the capital. As a public financial institution, BFPME plays a key role in Tunisia's economic development by facilitating access to financing for small and medium-sized businesses, which are a vital component of the national economy. The bank continues to operate under the oversight of the Ministry of Finance and remains an active participant in the Tunisian financial sector.

The Banque de Financement des Petites et Moyennes Entreprises (BFPME) was created on 1 March 2005 as a Tunisian public bank under the supervision of the Ministry of Finance. Its establishment was part of efforts to strengthen financing for small and medium-sized enterprises, a sector considered essential to Tunisia's economic development. At its creation, the bank had a capital of fifty million dinars, which was doubled in 2009 to reach one hundred million dinars. The initial shareholding structure reflected a partnership between the State and several public entities: the Tunisian State held 60%, Groupe chimique tunisien 22%, Tunisie Télécom 10%, Office de l'aviation civile et des aéroports 6%, and Office du commerce de Tunisie 2%. The bank established a network of agencies, with one in each governorate, in addition to its head office in Tunis, allowing it to serve businesses throughout the country. Over the years, BFPME faced financial difficulties. By 2024, accumulated losses reached 108 million dinars. To address this, a capital restructuring was carried out: the bank's capital was reduced by 90% to 10 million dinars, followed immediately by a capital increase of 59 million dinars, bringing the new capital to 69 million dinars. The restructuring also changed the ownership structure, with the State's share rising to more than 94%. Despite these challenges, BFPME has continued to fulfill its mission of supporting SMEs. It provides various financing products, including honor loans, and organizes weekly assistance sessions for project idea holders. The bank also engages in public procurement and regularly publishes calls for tenders and notices. As of the mid-2020s, it remains an active public financial institution in Tunisia, operating under the Ministry of Finance and contributing to the financing of the SME sector.

• BFPME is created as a Tunisian public bank with a capital of 50 million dinars.

• Capital doubles to 100 million dinars.

• Capital restructuring: capital reduced by 90% to 10 million dinars, then increased by 59 million dinars to 69 million dinars; State share exceeds 94%.

A public bank dedicated to financing and supporting small and medium-sized enterprises in Tunisia.

• Honor credit (crédit d'honneur)

  A financing product with specific eligibility conditions and granting modalities.

• SME financing

  Credit and financing solutions for small and medium-sized enterprises.

1. 1BFPME - Banque de Financement des PMEbfpme.com.tn
2. 2Banque de financement des petites et moyennes entreprises - Wikipédiafr.wikipedia.org
3. 3中小企业銀行 - Wikidatawikidata.org