Banque de l'Habitat du Sénégal

Banque de l'Habitat du Sénégal (BHS) is a Senegalese bank whose primary activity is providing housing finance to individuals and businesses. It offers mortgage loans for the purchase, construction, or renovation of residential property, alongside savings accounts and other retail banking products. The bank serves customers across Senegal, supporting both urban and rural households seeking access to formal housing credit. Its operations are conducted under the oversight of the national banking authorities.

Specific quantitative details regarding the bank's size, such as the number of branches, total assets, or client base, are not disclosed in the available source material. Consequently, any description of its scale or market share must be based solely on the qualitative information provided.

BHS is distinguished by its specialization in housing finance, a niche that differentiates it from more generalist commercial banks operating in Senegal. The ransomware attack on 1 December 2024, carried out by the LockBit group, compromised approximately 500,000 client records and disrupted banking services while demanding a one‑million‑dollar ransom. This incident exposed critical cybersecurity weaknesses, including outdated IT systems and inadequate client data protection, vulnerabilities that were also identified in other Senegalese financial institutions such as BICIS, Société Générale, Crédit du Sénégal, and BNDE. The breach highlighted systemic risks to the country's financial infrastructure and underscored the need for improved digital resilience at BHS.

Information concerning the bank's ownership structure, parent company, or subsidiary relationships is not explicitly stated in the provided context.