BH Bank has published its 2025 sustainability report, which reveals the bank's carbon footprint for the first time. The report, prepared with the help of Tunisian start-up ProVerdy, covers the period from January 1 to December 31, 2025, and includes the bank's head office, central buildings, and network of branches. The report discloses that the bank's total emissions amounted to 3,056 tonnes of CO2, with 490 tonnes attributed to direct emissions (scope 1) and 2,566 tonnes to electricity purchases (scope 2).
The report highlights that 84% of the bank's emissions are related to electricity purchases. Within scope 1, fugitive emissions from air conditioners account for 303 tonnes, followed by company cars (115.53 tonnes) and generators and boilers (71.25 tonnes). This first exercise serves as a reference year for measuring and managing emissions. The bank has initiated work on scope 3 to gradually extend the scope to its entire value chain.
The report also outlines the bank's Environmental, Social, and Governance (ESG) strategy and progress. The bank's Board of Directors supervises the ESG strategy and orientations, and is composed of nine members, including one woman (11.11%) and two independent administrators (22.22%). A dedicated ESG committee, presided over by the General Director, defines orientations, monitors the action plan, and coordinates initiatives.
In terms of financing, the bank has made progress in structuring its approach to ESG and has launched several projects to strengthen the integration of ESG issues into its financing and investment processes. The bank has granted 76 "majels" credits in 2025, a decrease of 8.5% compared to 2024, which it attributes to an adjustment in the deployment rhythm. The bank has also seen growth in its FOPROLOS credit program, which provides financing for low-income households.
The report also highlights the bank's social performance, with 1,853 employees, of whom 53% are women. The bank recruited 232 people in 2025, all of whom were welcomed with a structured integration program. The report also notes that 100% of contracts are permanent and 100% of staff are covered by a collective bargaining agreement.
In addition to its ESG progress, the bank has maintained its certifications, including AML 30000, ISO 9001:2015, and MSI 20000. The bank has also made progress in its sustainable financing initiatives, including the launch of a green and circular economy program.
The bank's Chairman of the Board of Directors, Taoufik Mnasri, and General Director, Lotfi Ben Hammouda, have emphasized the bank's commitment to ESG and sustainability. The bank's plan for 2025-2027 includes several initiatives aimed at strengthening its ESG approach and reducing its environmental impact.
Key points
- BH Bank's carbon footprint is 3,056 tonnes of CO2.
- The bank aims to extend its ESG scope to its entire value chain.
- BH Bank has maintained its ISO 9001:2015 certification for its international operations.
