La Soci\u00e9t\u00e9 tunisienne de banque (STB) annonce une hausse du produit net bancaire de 17,9% au terme des 9 premiers mois de 2017, par rapport \u00e0 la m\u00eame p\u00e9riode de 2016.<\/strong> <\/em><\/p>\n<\/p>\n
Selon les indicateurs d\u2019activit\u00e9 et de performance de la banque relatifs au 3e trimestre 2017, les d\u00e9p\u00f4ts de la client\u00e8le ont enregistr\u00e9 une progression de 282,4 millions de dinars tunisiens (MDT) ou 5,3% entre septembre 2016 et septembre 2017, se d\u00e9taillant entre 1- d\u00e9p\u00f4ts \u00e0 vue : + 296,2 MDT (+15,6%) pour s\u2019\u00e9tablir \u00e0 2.197,3 MDT et repr\u00e9senter 39,1% de l\u2019ensemble des d\u00e9p\u00f4ts \u00e0 fin septembre 2017 contre 1.901,1 MDT ou une part de 35,6 % \u00e0 fin septembre 2016 ; 2- d\u00e9p\u00f4ts d\u2019\u00e9pargne : +173,5 MDT (+7,6%) pour atteindre 2.443,9 MDT ou une part de 43,5% contre 2.270,4 MDT ou une part de 42,5% une ann\u00e9e auparavant; 3- d\u00e9p\u00f4ts \u00e0 terme : -121,8 MDT ou (-12,8%) qui se sont \u00e9tablis \u00e0 830,9 MDT et ont repr\u00e9sent\u00e9 une part de 14,8% \u00e0 fin septembre 2017 (952,6 MDT et 17,8% en septembre 2016).<\/p>\n
Les ressources d\u2019emprunt se sont \u00e9lev\u00e9es \u00e0 287 MDT \u00e0 fin septembre 2017, en repli de 70,6 MDT par rapport \u00e0 leur niveau \u00e0 fin septembre 2016. Cette baisse est expliqu\u00e9e au niveau des variations diff\u00e9renci\u00e9es suivantes : 1- emprunts obligataires et priv\u00e9s : +25,1 MDT (+13,3%) ; 2- ressources sp\u00e9ciales: -95,7 MDT (-97,6%).<\/p>\n
Les cr\u00e9dits nets \u00e0 la client\u00e8le (hormis la dotation aux provisions relative 3e trimestre 2017) ont augment\u00e9 de 231 MDT (+4,2%) pour s\u2019\u00e9tablir \u00e0 5.720,8 MDT au terme du 3e semestre 2017 contre 5.489,8 MDT une ann\u00e9e auparavant.<\/p>\n
Le portefeuille titres commercial a enregistr\u00e9 une baisse 23,2 MDT (-2,1%) pour s\u2019\u00e9tablir \u00e0 1.072,7 MDT \u00e0 fin septembre 2017 (1.095,9 MDT en septembre 2016).<\/p>\n
Le portefeuille titres d\u2019investissement a atteint un encours de 355,4 en progression de 46,1 MDT (+14,9%) par rapport \u00e0 son niveau enregistr\u00e9 \u00e0 fin septembre 2016 (309,3 MDT).<\/p>\n
Le produit net bancaire (PNB) s\u2019est am\u00e9lior\u00e9 de 37,9 MDT (+17,9%) comparativement \u00e0 fin septembre 2016 pour se situer \u00e0 249,5 MDT. Cette situation r\u00e9sulte de l\u2019effet de : 1- la hausse des produits d\u2019exploitation bancaire (+58,7 MDT ou 15,7%) passant de 373,1 MDT \u00e0 fin septembre 2016 \u00e0 431,7 MDT \u00e0 fin septembre 2017 ; 2- l\u2019accroissement des charges d\u2019exploitation bancaire (+20,8 MDT ou 12,9%), lesquelles se sont \u00e9tablies \u00e0 182,2 MDT \u00e0 fin septembre 2017 contre 161,4 MDT au terme du 3e trimestre 2016.<\/p>\n
Les charges op\u00e9ratoires ont augment\u00e9 de 17,3 MDT (+16,7%) et se sont \u00e9tablies \u00e0 120,8 MDT \u00e0 fin septembre 2017.<\/p>\n
Le coefficient d\u2019exploitation s\u2019est am\u00e9lior\u00e9 de 0,48 point de pourcentage pour atteindre 48,40% au terme du 3e trimestre 2017 (48,88% en septembre 2016).<\/p>\n
Source<\/strong><\/em> : communiqu\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"La Soci\u00e9t\u00e9 tunisienne de banque (STB) annonce une hausse du produit net bancaire de 17,9% au terme des 9 premiers mois de 2017, par rapport \u00e0 la m\u00eame p\u00e9riode de 2016.<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[995,2433],"tags":[37947,34431,4612,38144,3456,860],"class_list":["post-120252","post","type-post","status-publish","format-standard","hentry","category-economie","category-tunisie","tag-depots-de-la-clientele","tag-indicateurs-dactivite","tag-produit-net-bancaire","tag-ressources-demprunt","tag-societe-tunisienne-de-banque","tag-stb"],"yoast_head":"\n
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