Access to Financing
Role of BMICE
The primary activity of BMICE is to provide financing to borrowers in its five member countries for the financing and co-financing of economically and socially viable projects that contribute to sustainable development, regional integration, and the strengthening of economic and social cohesion.
The Bank may also intervene through other financial instruments, including guarantees and financial support mechanisms tailored to project needs.
BMICE finances projects implemented by:
- Governments and public entities
- Banks and financial institutions
- Public and private companies
Beneficiaries must be established in a member country and comply with applicable national regulations.
Financed projects must align with the priorities of sustainable economic development and regional integration in the Maghreb countries, in accordance with the Bank’s credit policy.
Eligible projects are those that:
- Promote Maghreb economic integration and cooperation
- Support regional trade
- Contribute to reducing development disparities
These include:
- Regional and cross-border projects
- National projects of common interest or innovative nature
- Projects of national importance with significant economic impact
BMICE prioritizes financing projects in the following strategic sectors:
- Energy security
- Food security and sustainable agriculture
- Industrial development and value chains
- Infrastructure (transport, logistics, telecommunications)
- Innovation, research and technology
- Health and education
- Sustainable development and environmental transition
- Regional integration and cooperation
The list of eligible sectors is regularly updated based on economic and sectoral risk assessments and in line with the Bank’s policy.
Banks and financial institutions
Eligible institutions must comply with all regulatory and prudential requirements applicable in their country of operation.
Companies
Financial eligibility is assessed based on:
- Quantitative financial criteria aligned with recognized standards
- Complementary qualitative criteria to assess financial strength and stability
A financing request should include:
- A detailed project description and objectives
- A financing plan and implementation schedule
- Financial information on the beneficiary
- Economic, sectoral and financial eligibility assessment
- Financial, technical risk evaluation
- Review by competent internal bodies
- Financing decision and contracting
- Implementation, monitoring and disbursement
Certain sectors or activities may be excluded from financing in accordance with BMICE’s internal policies.