Amen Bank – SME Loan



Project number:


Business sector:

Financial institutions

Notice type:


Environmental category:




PSD disclosed:

24 Aug 2015

Translated version of this PSD: French

Project Description

The EBRD is considering providing a senior loan of up to EUR 40 million to Amen Bank to be disbursed in two tranches for on-lending to micro, small and medium-sized enterprises (“MSMEs”) in Tunisia.

Transition Impact

The proposed loan will increase longer-term funding available to Tunisian MSMEs through the provision of loans by Amen Bank in a market facing liquidity constraints. The loan will also be supported by technical cooperation targeted at enhancing risk management know-how at Amen Bank.

The Client

Amen Bank is the second largest bank in Tunisia with total assets of EUR 3.5bn at YE2014 and a lending market share of c. 13%. It provides a wide range of corporate and retail banking services throughout the country through its 155 branches.

EBRD Finance

Senior unsecured loan of up to EUR 40 million

Project Cost

Up to EUR 40 million to be provided in euros.

Environmental and social categorisation, impact, and mitigation

Categorised FI (2014 ESP). Environmental and Social Due Diligence of Amen Bank confirmed the client’s compliance with Performance Requirements 2, 4 and 9. Amen Bank will be required to continue to comply with the PRs, adopt and implement the EBRD's E&S Procedures for Corporate, Small and Micro Loans and submit Annual Environmental and Social Reports to the Bank. 

Technical Cooperation

The SME loan will be accompanied by capacity building technical cooperation to assist Amen Bank in strengthening its risk management skills. The expected donor funding source is the SEMED Multi-Donor Account and the EBRD Shareholder Special Fund.

Company Contact

Julia Flaig, Associate Banker, Financial Institutions Group, EBRD


Business opportunities

For business opportunities or procurement, contact the client company.

For state-sector projects, visit EBRD Procurement: Tel: +44 20 7338 6794

General enquiries

EBRD project enquiries not related to procurement:
Tel: +44 20 7338 7168

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Text of the PIP

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