Regulatory Alerts2025-11-04
Circular to Banks No. 2025-14 of November 4, 2025
The Governor of the Central Bank of Tunisia issued Circular No. 2025-14 to mandate that banks apply preferential interest rates, equivalent or equal to the money market rate plus a profit margin not exceeding 1%, on loans granted from their own resources to finance community companies. Grounded in Article 70 (ter) of Decree-Law No. 2022-15, this directive standardizes lending margins and supersedes prior credit granting procedures by capping the profit margin at 1 percent. The circular takes effect immediately upon publication, thereby aligning bank lending costs with current money market conditions to support targeted corporate financing.
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