{"id":134246,"date":"2018-01-21T10:45:43","date_gmt":"2018-01-21T09:45:43","guid":{"rendered":"http:\/\/kapitalis.com\/tunisie\/?p=134246"},"modified":"2018-01-21T10:45:43","modified_gmt":"2018-01-21T09:45:43","slug":"uib-produit-net-bancaire-progression-de-17-2017","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2018\/01\/21\/uib-produit-net-bancaire-progression-de-17-2017\/","title":{"rendered":"UIB : Un produit net bancaire en progression de +17% en 2017"},"content":{"rendered":"

\"\"<\/p>\n

L\u2019Union internationale de banques (UIB) vient de rendre publics ses indicateurs d\u2019activit\u00e9 relatifs au 4e trimestre 2017.<\/strong><\/em><\/p>\n

<\/p>\n

L\u2019encours de d\u00e9p\u00f4ts a atteint, au 31 d\u00e9cembre 2017, de 4.123,2 millions de dinars tunisiens (MTD) 3.661,3 MTD une ann\u00e9e auparavant. Cette hausse de 12,6% correspondant \u00e0 461,8 MTD, r\u00e9sultant de la bonne tenue des d\u00e9p\u00f4ts \u00e0 vue (+171,9 MTD), des d\u00e9p\u00f4ts d\u2019\u00e9pargne (+102,4 MTD), des d\u00e9p\u00f4ts \u00e0 terme et certificats de d\u00e9p\u00f4t (+192,4 MTD) et une l\u00e9g\u00e8re diminution des autres d\u00e9p\u00f4ts et avoirs de la client\u00e8le (-4,8 MTD).<\/p>\n

L\u2019encours net des cr\u00e9dits \u00e0 la client\u00e8le affiche, \u00e9galement, une augmentation de 19,4% au 31 d\u00e9cembre 2017, correspondant \u00e0 une hausse de +800,9 MTD, pour atteindre un encours de 4.931,6 MTD contre 4.130,7 MTD au terme de 2016.<\/p>\n

L\u2019encours des emprunts et ressources sp\u00e9ciales atteint 454,1 MTD au 31 d\u00e9cembre 2017 contre 329,5 MTD \u00e0 fin d\u00e9cembre 2016. L\u2019additionnel de 124,6 MTD est expliqu\u00e9 par : 1- l\u2019encaissement du compl\u00e9ment de l\u2019emprunt obligataire subordonn\u00e9 d\u2019un montant de 29,3 MTD cl\u00f4tur\u00e9 en f\u00e9vrier 2017 pour 75 MTD ; 2- la contraction d\u2019un emprunt aupr\u00e8s de la Berd de 40 millions d\u2019euros (montant en CV de 117,4 MTD) en date du 31 d\u00e9cembre 2017; 3- des remboursements d\u2019emprunts obligataires de 26,7MTD; 4- la baisse de 0,5 MTD des ressources sp\u00e9ciales; et enfin 5- l\u2019augmentation de l\u2019encours des dettes rattach\u00e9es de 5,1 MTD.<\/p>\n

Les produits d\u2019exploitation bancaire, pr\u00e9sent\u00e9s nets des agios r\u00e9serv\u00e9s, affichent une progression de 19,8% pour atteindre 449 MTD au 31 d\u00e9cembre 2017 contre 374,8 MTD \u00e0 fin d\u00e9cembre 2016.<\/p>\n

La marge d\u2019int\u00e9r\u00eat a atteint 159,2 MTD au 31 d\u00e9cembre 2017 contre 141,6 MTD \u00e0 fin d\u00e9cembre 2016, soit une progression de 12,4%.<\/p>\n

La marge sur les commissions enregistre une progression de 13,4% pour atteindre 91,9 MTD au 31 d\u00e9cembre 2017 contre 81 MTD \u00e0 fin d\u00e9cembre 2016.<\/p>\n

Les revenus du portefeuille-titres commercial et d\u2019investissement enregistrent une progression de 54,9% pour atteindre 38,9MTD au 31 d\u00e9cembre 2017 contre 25,1 MTD \u00e0 fin d\u00e9cembre 2016.<\/p>\n

Le produit net bancaire progresse de 17% pour atteindre 290 MTD au 31 d\u00e9cembre 2017 contre 247,8 MTD \u00e0 fin d\u00e9cembre 2016.<\/p>\n

Les frais de personnel augmentent de 11,8% au 31 d\u00e9cembre 2017 pour atteindre 98 MTD contre 87,7 MTD au 31 d\u00e9cembre 2016.<\/p>\n

Les charges op\u00e9ratoires \u00e9voluent de 12,7% \u00e0 fin d\u00e9cembre 2017 par rapport \u00e0 fin d\u00e9cembre 2016.<\/p>\n

Le r\u00e9sultat brut d\u2019exploitation est en hausse de 21,1%, et s\u2019\u00e9l\u00e8ve \u00e0 154,6 MTD au 31 d\u00e9cembre 2017 contre 127,7 MTND \u00e0 fin d\u00e9cembre 2016.<\/p>\n

Le coefficient d\u2019exploitation s\u2019\u00e9tablit \u00e0 46,7% au 31 d\u00e9cembre 2017 contre 48,5% \u00e0 fin d\u00e9cembre 2016.<\/p>\n

Ces indicateurs ne tiennent pas compte de la contribution au fonds de garantie des d\u00e9p\u00f4ts, pr\u00e9vue par le d\u00e9cret gouvernemental N\u00b02017-268 du 1er f\u00e9vrier 2017.<\/p>\n

Source<\/strong><\/em> : communiqu\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019Union internationale de banques (UIB) vient de rendre publics ses indicateurs d\u2019activit\u00e9 relatifs au 4e trimestre 2017.<\/p>\n","protected":false},"author":8,"featured_media":134247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[995,2433],"tags":[34431,1392],"class_list":["post-134246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-tunisie","tag-indicateurs-dactivite","tag-uib"],"yoast_head":"\nUIB : Un produit net bancaire en progression de +17% en 2017 - Kapitalis<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kapitalis.com\/tunisie\/2018\/01\/21\/uib-produit-net-bancaire-progression-de-17-2017\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UIB : Un produit net bancaire en progression de +17% en 2017 - 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