The evolution between March 2025 and March 2026 of the distribution of non-professional credits granted by banks to individuals in the first quarter shows a moderate rise in non-professional credits, essentially led by consumer loans and, to a lesser extent, by housing improvement loans and vehicle loans.
However, the decline in housing loans limits the overall progress. The credit structure seems to evolve gradually toward a larger share of consumer loans, while classic housing loses slightly ground.
Between March 2025 and March 2026, the outstanding amount of non-professional credits granted to individuals by the banking sector rose from 29.9 billion dinars to 30.3 billion dinars. This represents an increase of 413 million dinars, corresponding to an annual growth of +1.38%.
The total credits rose progressively until reaching a peak in October 2025, with 30.7 billion dinars. After this peak, a slight decline settled in between November 2025 and March 2026.
The lowest point of the period is observed in June 2025, with 29.9 billion dinars, while the highest level is recorded in October 2025.
The housing remains the leading category, but declines
Housing loans remain the main component of the total, but they decline year over year. They fall from 13.5 to 13.4 billion dinars, a drop of 158 million dinars.
In percentage terms, the decline is -1.17%. Their share of the total falls from about 45.1% in March 2025 to 43.9% in March 2026, reflecting a slight weakening of the weight of traditional mortgage credit.
Housing improvement loans rise slightly
Loans intended for housing improvement increase from 11 to 11.2 billion dinars, a rise of 187 million dinars.
The increase is +1.71% year on year. This item remains the second component of non-professional credit, with a share close to 36.8% of the total in March 2026.
Consumer loans drive the rise
The strongest contribution to the annual progression comes from other consumer loans. They rise from 5,026 million dinars to 5,389 million dinars, an increase of 363.2 million dinars.
This corresponds to a growth of +7.23%, the largest in absolute terms among the various categories. Their share of the total also increases, rising from 16.8% to 17.8%.
Vehicle loans rise, but remain limited
Loans for vehicles increase from 413.5 to 435 million dinars, a rise of 21.3 million dinars.
In percentage terms, the increase reaches +5.14%, which is notable, but their weight remains small in the overall total, around 1.4%.
Student loans fall slightly, from 14.5 million dinars to 14.3 million dinars, a decline of 1.22%. This category remains very marginal in the overall structure, with less than 0.05% of total credits.
