Banque Tuniso-Libyenne

What Banque Tuniso-Libyenne does

Banque Tuniso-Libyenne (BTL), founded in 1984 and headquartered in Tunis, is a privately held Tunisian commercial bank operating across four primary business pillars: Corporate Banking, Investment Banking, Professional/SME Banking, and Retail Banking. The bank was originally established to serve the Tunisia–Libya bilateral trade corridor and maintains this positioning through a dedicated Libyan Desk, a dedicated African Desk with correspondent banking relationships in Côte d'Ivoire, Togo, Guinea, and Benin, and a portfolio of cross-border trade finance services including documentary credits, standby letters of credit, international bank guarantees, export assistance, and Libya-market accompaniment.

BTL's product suite spans current accounts and cards (including tiered Corporate, Happy, Gold, and Ready cards), consumer and SME credit facilities, leasing and factoring, treasury and investment-banking products (spot FX, currency hedging, FX swaps, sovereign bonds, financial engineering), and a retail savings and insurance lineup (Serenity, WINNER Study Plan, My House, ENJOY, Amane Wledi, Amene Rahma, Amene Elweldine, Rahet Ahbebi, Assur Hsebi) distributed in partnership with التجاري للتأمينات (Commercial Insurance). The bank's core digital technology is the BTL Net mobile and web platform, available on iOS and Android, providing 24/7 account management, transfers, card management, and real-time balance monitoring; corporate e-banking is offered via tiered Hello Corporate, Premium Corporate, and Premium+ Corporate packs. The bank also holds three external financing lines — a 73M EUR Italian line (SACE/SIMEST), a 30M EUR French line (AFD), and a 25M EUR Spanish line (CESCE) — for on-lending to Tunisian SMEs.

Revenue is generated through four streams: traditional interest income from loans, mortgages, consumer credit, and business financing; transaction fees and commissions on account management, wire transfers, trade finance, documentary credits, guarantees, and MoneyGram/Western Union remittances; investment and trading revenue from securities, FX, and financial engineering advisory; and insurance distribution commissions via the Commercial Insurance partnership. BTL distributes its services through a domestic branch network (including recent openings in Djerba Midoun and Téboulba), the BTL Net digital channel, and specialized desks for corporate, Libyan, and African clients, while operating a group of four wholly owned subsidiaries — Leptis Asset Management, Leptis Consulting and Advisory, Compagnie Arabe de Recouvrement (COMAR), and Cap Invest — to extend into asset management, advisory, debt recovery, and investment services.

Name

Banque Tuniso-Libyenne

Legal name

Banque Tuniso-Libyenne

Website

https://btl.tn

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

251–500 employees

Short description

Banque Tuniso-Libyenne is a privately held Tunisian commercial bank founded in 1984 that delivers corporate, investment, SME, and retail banking across the Tunisia–Libya–West Africa corridor via domestic branches, the BTL Net digital platform, and dedicated Libyan and African desks.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA)

Keywords

• Commercial banking services
• Trade finance
• Corporate banking
• Retail banking
• Investment banking

Headquarters

HQ city

Tunis

HQ country

Tunisia

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Others, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans, mortgages, consumer credit, and business financing facilities
2. Fee and Commission Income: Fees from account management, wire transfers, trade finance operations, documentary credits, guarantees, and money transfer services (MoneyGram, Western Union)
3. Investment and Trading Services: Revenue from investment banking services including securities trading, foreign exchange operations, and financial engineering advisory
4. Insurance Distribution: Commission revenue from distribution of insurance products (Amane Wledi, Amene Rahma, Amene Elweldine, Rahet Ahbebi, Assur Hsebi) through partnership with التجاري للتأمينات (Commercial Insurance)

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Banque Tuniso-Libyenne is a Tunisian commercial bank providing corporate banking, investment banking, SME/professional banking, and retail banking products and services, with specialized trade finance expertise focused on the Tunisia-Libya corridor and West African markets. Its offerings include deposit and savings products, consumer/auto/housing loans, life and overdraft insurance, payment cards, trade finance, factoring, leasing, foreign exchange hedging, and external European (French/Spanish/Italian) SME financing lines. The bank distributes these through a Tunisia branch network, the BTL Net digital platform (mobile app and web), and dedicated Libyan and African desks supported by correspondent bank relationships.

Product overview

Banque Tuniso-Libyenne (BTL) is a Tunisian financial institution operating as a full-service bank with a diversified portfolio organized into four main pillars: Corporate Banking, Investment Banking, Professional Banking (SMEs), and Retail Banking. The bank also maintains specialized desks for Libyan and African markets, reflecting its cross-border heritage. Its digital banking platform, BTL Net, serves as the primary online and mobile banking channel. The product ecosystem includes deposit and savings products (Serenity Savings, WINNER Study Plan, My House Home Plan, ENJOY Plan), credit products (consumer, car, and housing loans), insurance products (Amane Wledi, Amene Rahma, Amene Elweldine, Rahet Ahbebi, Assur Hsebi), card products (Ready, Serenity, Happy, Gold, Corporate cards), trade finance and factoring services, leasing, and international financing lines. The bank also offers specialized services for youth (Happy Card), women (My Lady), and seniors (Le Doyen).

Differentiator

Problem solved

Functional benefit

Brands

• BTL Net: Digital banking platform and mobile application for online banking operations
• BTL Premium
• Desk Afrique
• Desk Libye

Products and services

• BTL Net Digital Banking Platform BTL Net is the bank's digital banking platform providing mobile and online banking services including account management, transfers, card management, and real-time balance monitoring, accessible 24/7 via iOS and Android apps for retail and corporate customers.
• BTL Premium (Private Banking) Premium private banking service offering personalized banking solutions for high-net-worth individual clients.
• Corporate Banking Comprehensive corporate banking services for enterprises, including business current accounts, corporate cards, POS terminals, e-banking packs (Hello Corporate, Premium Corporate, Premium+ Corporate), trade finance operations, corporate financing, engagement by signature, leasing, factoring, and medium/long-term credit.
• Investment Banking Investment banking services for businesses and institutional clients, covering medium- and long-term placements, spot foreign exchange, currency hedging instruments, foreign exchange swaps, sovereign bonds and debt securities, and financial engineering advisory.
• Professional Banking (SME) Banking services tailored for professionals and small-to-medium enterprises (PME), including current accounts, professional and merchant cards, e-banking packs, credit facilities, factoring, and investment options.
• Retail Banking Personal banking services for individual customers including day-to-day banking, savings accounts, consumer/housing/car loans, payment cards, insurance products, and dedicated segments for youth, women, and seniors.
• Happy Card (Youth Debit Card) A reloadable prepaid debit card designed for young customers, featuring top-up via cash or bank transfer, 24/7 ATM withdrawals across Tunisia, and built-in overdraft protection.
• Serenity Savings Account (طمأنينة) A Tunisian Dinar savings account offering instant access to funds, free deposits and withdrawals subject to a 10 DT minimum, and attractive interest rewards.
• WINNER Study Savings Plan A three-phase education savings plan for financing higher education: a 3-18 year savings accumulation phase, a utilization phase providing a monthly stipend during the first university cycle, and a loan phase providing up to 10,000 DT at preferential rates for subsequent cycles.
• My House Home Savings Plan A 2-5 year savings plan to accumulate funds for real estate projects, requiring an initial deposit of 300 DT and providing access to preferential mortgage loans up to four times the average savings balance.
• ENJOY Savings Plan A flexible savings plan requiring an initial deposit of 100 DT and monthly or quarterly contributions, offering access to preferential-rate loans up to 4 times savings (capped at 15,000 DT) without purchase justification requirements.
• Amane Wledi Life Insurance (أمانة ولدي) Life insurance product distributed in partnership with Commercial Insurance, guaranteeing immediate capital payment to a child or designated beneficiary to support education or business launch, starting from 21 DT per year.
• Amene Rahma Term Life Insurance (أمنة رحمة) Term life insurance distributed in partnership with Commercial Insurance, guaranteeing immediate capital payment upon death of the insured to cover funeral costs and unexpected expenses, starting from 14 DT per year.
• Amene Elweldine Insurance (أمان الوالدين) Life insurance policy guaranteeing quarterly payments over two years to a designated parent in the event of the insured's death, starting from 23 DT per year.
• Rahet Ahbebi Insurance (راحة أحبّتي) Life insurance product guaranteeing capital or annual installment payments to designated beneficiaries over 5, 10, 15, or 20 years in case of death or total permanent disability of the insured.
• Assur Hsebi Overdraft Insurance (تأمين حسابي) Insurance product covering authorized overdraft or account-overrun usage, ensuring repayment in case of death or total permanent disability, with coverage linked to the account balance.
• Leasing Sayafi (Retail Vehicle Leasing) Automotive leasing product for retail customers offering vehicle leasing arrangements with promotional terms available until June 30, 2026.
• French Financing Line (30M EUR / AFD) A 30 million euro financing line provided through AFD (Agence Française de Développement) to support Tunisian SMEs and SMIs with favorable interest rates, governed by Central Bank of Tunisia circular n°2013-06.
• Spanish Credit Line (25M EUR / CESCE) A 25 million euro credit line through the Spanish export credit agency CESCE supporting Tunisian-Spanish joint ventures, financing 100% of imports of Spanish goods and services and up to 30% of non-Spanish goods, with maximum interest rate of 2.56% (EUR) / 6.56% (TND).
• Italian Financing Line (73M EUR / SACE-SIMEST) A 73 million euro financing line through Italian export credit agency SACE and SIMEST for the Tunisian private SME sector, covering productive equipment, services, and working capital (max 4M EUR), with maximum interest rates of 2.5% (EUR) / 4.5% (TND) and repayment periods up to 10 years.
• Libyan Desk (Desk Libye) Dedicated advisory service for cross-border Tunisia-Libya investment operations, providing consultation, operational accompaniment, partner search, financing solutions, and access to the bank's network of Libyan correspondent banks.
• African Desk (Desk Afrique) Dedicated team serving African markets via established nostro account relationships in Côte d'Ivoire, Togo, Guinea, and Benin, offering personalized trade and correspondent banking services adapted to each African country's requirements.
• Trade Finance Services Comprehensive trade finance services for businesses including documentary collection, documentary credits, standby letters of credit, international bank guarantees, export assistance, and dedicated support on the Libyan market.
• Factoring Factoring services enabling businesses to optimize cash flow through the financing of receivables.
• Corporate Leasing Corporate leasing solutions enabling businesses to finance productive equipment without mobilizing capital.
• Youth Banking Services Specialized banking services for young customers including the Happy Card reloadable debit card, WINNER Study Savings Plan, and student engagement programs including internship opportunities at the bank.
• My Lady Women's Banking (سيّدتي) Banking services exclusively dedicated to women, offering personalized solutions adapted to their financial independence, professional roles, and life stage needs.
• Senior Banking (Le Doyen) Banking services tailored for seniors and retirees, including personal loans adapted to their retirement income and life stage needs.
• Money Transfer Services (MoneyGram & Western Union) International money transfer services operated through MoneyGram and Western Union partnerships, allowing customers to receive funds at any BTL branch in Tunisian Dinars free of charge within minutes upon presentation of valid identification.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature1 record

Partnerships

Eight partnerships are on record, tiered core.

• MoneyGramcoreChannel Partner/ Reseller/ DistributorMoney transfer service allowing instant money receipt at any BTL branch with free-of-charge transfers in Tunisian Dinars within minutes upon presentation of ID.
• Commercial Insurance (التجريبي للتأمينات)coreChannel Partner/ Reseller/ DistributorPartnership for distribution of insurance products including Amene Wledi, Amene Rahma, Amene Elweldine, Rahet Ahbebi, and Assur Hsebi insurance plans.
• West African Correspondent BankscoreChannel Partner/ Reseller/ DistributorSpecial correspondent banking relationships in Côte d'Ivoire, Togo, Guinea, and Benin providing market access for West African operations beyond traditional correspondent banking.
• Libyan Banks and CorrespondentscoreChannel Partner/ Reseller/ DistributorUnique network of correspondent banks and partner banks in Libya used to provide solutions for clients and navigate complex situations for cross-border Tunisia-Libya investments.
• Leptis Asset Management (LAM)coreOthersAsset management subsidiary within the BTL Group offering investment fund products including bond funds (Fonds obligataires Leptis) with documented annualized returns.
• Leptis Consulting and Advisory (LCA)coreOthersConsulting and advisory services subsidiary within the BTL Group.
• Compagnie Arabe de Recouvrement (COMAR)coreOthersArab receivables recovery company subsidiary within the BTL Group.
• Cap InvestcoreOthersInvestment subsidiary within the BTL Group.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Arab Tunisian Bank (ATB): Tunisian bank with Arab capital participation offering corporate, retail, and investment banking. Comparable to BTL given its Arab cross-border heritage, full-service commercial banking model, and similar positioning targeting both corporate and individual clients.
• Banque Internationale Arabe de Tunisie (BIAT): Tunisia's largest private commercial bank offering full-service corporate, investment, retail, and SME banking. Directly comparable to BTL as a domestic full-service commercial bank, but at materially greater scale, providing a benchmark for BTL's growth ceiling.
• Attijari Bank Tunisia: Major Moroccan-owned Tunisian commercial bank with corporate, retail, and SME banking. Comparable to BTL as a full-service Tunisian commercial bank with strong corporate and trade finance orientation, and a relevant proxy for cross-border bank ownership structures.
• Amen Bank: Tunisian private commercial bank serving corporate, professional, and retail clients. Directly comparable to BTL in scale and product mix, with a similar mix of corporate, SME, and retail banking plus investment services.
• Banque Sahélo-Saharienne pour l'Investissement et le Commerce (BSIC): Pan-African bank with strong Libya-Sahel regional focus and a presence in Tunisia. Highly comparable to BTL given its Libya-Africa cross-border orientation, trade finance emphasis, and Tunisian operations targeting the same South-South corridor.
• Banque de l'Habitat (BH): Tunisian state-linked commercial bank with full-service offerings including corporate, retail, and housing finance. Comparable to BTL as a domestic full-service commercial bank, with relevant overlap in deposit gathering, consumer credit, and corporate banking products.
• Banque de Tunisie et des Émirats (BTE): Tunisian commercial bank with cross-border heritage between Tunisia and the UAE, offering corporate and retail services. Comparable to BTL for its bilateral cross-border identity, foreign trade specialization, and similar full-service commercial banking scope.

Emerging players

• Al Baraka Bank Tunisia: Tunisian bank under the Al Baraka Banking Group offering Islamic and conventional banking services. Comparable to BTL as a Tunisia-based commercial bank competing for the same retail, professional, and SME segments, with partial overlap in trade finance and corporate banking.

Regional players

• Libyan Foreign Bank: Libyan state-owned bank handling foreign trade and correspondent relationships for Libyan counterparties. Comparable to BTL for its Libya-anchored cross-border focus, correspondent banking network, and role in facilitating Tunisia-Libya trade and investment flows.

Broad incumbents

• Société Tunisienne de Banque (STB): State-owned Tunisian commercial bank with nationwide branch network and full-service offerings. Comparable to BTL as a domestic full-service commercial bank, but operating at significantly larger scale with a broader corporate and public-sector mandate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/BTLbanque
• LinkedInlinkedin.com/company/btl-bank-tunisia
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banque Tuniso-Libyenne