{"id":301762,"date":"2020-06-02T13:56:36","date_gmt":"2020-06-02T12:56:36","guid":{"rendered":"http:\/\/kapitalis.com\/tunisie\/?p=301762"},"modified":"2020-06-02T13:56:38","modified_gmt":"2020-06-02T12:56:38","slug":"impact-du-report-des-echeances-de-credit-aux-particuliers-sur-les-banques-tunisiennes","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2020\/06\/02\/impact-du-report-des-echeances-de-credit-aux-particuliers-sur-les-banques-tunisiennes\/","title":{"rendered":"Impact du report des \u00e9ch\u00e9ances de cr\u00e9dit aux particuliers sur les banques tunisiennes"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"http:\/\/kapitalis.com\/tunisie\/wp-content\/uploads\/2017\/06\/Guichet-de-banque.jpg\" alt=\"\" class=\"wp-image-102933\"\/><\/figure>\n\n\n\n<p><strong><em>Ainsi, les banques tunisiennes vont \u00eatre contraintes de r\u00e9duire leurs marges d&rsquo;int\u00e9r\u00eats pour absorber le manque \u00e0 gagner qui r\u00e9sultera du report des \u00e9ch\u00e9ances de cr\u00e9dit aux particuliers d\u00e9cid\u00e9 par la Banque centrale de Tunisie dans le cadre des mesures prises pour faire face aux cons\u00e9quences de la crise sanitaire du coronavirus.<\/em><\/strong><\/p>\n\n\n\n<p>Par<strong> Boubaker Rekik<\/strong> *<\/p>\n\n\n\n<!--more-->\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large\"><img decoding=\"async\" src=\"http:\/\/kapitalis.com\/tunisie\/wp-content\/uploads\/2020\/06\/Boubaker-Rekik.jpg\" alt=\"\" class=\"wp-image-301767\"\/><\/figure><\/div>\n\n\n\n<p>La pand\u00e9mie de Covid-19 a provoqu\u00e9 une crise sociale et \u00e9conomique sans pr\u00e9c\u00e9dent. Afin de pr\u00e9server la stabilit\u00e9 du syst\u00e8me financier et de soutenir l\u2019\u00e9conomie, la Banque centrale de Tunisie (BCT) a pris des mesures n\u00e9cessaires, en commen\u00e7ant par assouplir sa politique mon\u00e9taire en abaissant le TMM.<\/p>\n\n\n\n<p>Par la suite, \u00e0 travers la circulaire n\u00b02020-06 du 19 mars 2020 qui a \u00e9t\u00e9 \u00e9tendue \u00e0 plusieurs reprises, la BCT a d\u00e9cid\u00e9 de reporter les tomb\u00e9es en principal et en int\u00e9r\u00eats des entreprises et des particuliers qui remplissent certaines conditions.<\/p>\n\n\n\n<p>Pour notre calcul, nous nous sommes bas\u00e9s sur la circulaire n\u00b02020-08 du 1er avril 2020 qui stipule, notamment, que le report concerne les \u00e9ch\u00e9ances allant du 1er avril 2020 au 30 juin 2020.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"http:\/\/kapitalis.com\/tunisie\/wp-content\/uploads\/2020\/06\/Tableau-1.jpg\" alt=\"\" class=\"wp-image-301763\"\/><\/figure>\n\n\n\n<p>Si l\u2019on se base sur les chiffres de 2019 estim\u00e9s par nos soins, l\u2019impact du report des \u00e9ch\u00e9ances se traduira par un manque \u00e0 gagner sur le produit net bancaire (PNB) de pr\u00e8s de 600 MDT pour l\u2019ensemble du secteur bancaire tunisien (cot\u00e9 et non cot\u00e9) sur la dur\u00e9e moyenne de l\u2019encours des cr\u00e9dits que nous avons estim\u00e9e \u00e0 4,8 ann\u00e9es.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"http:\/\/kapitalis.com\/tunisie\/wp-content\/uploads\/2020\/06\/Tableau-2.jpg\" alt=\"\" class=\"wp-image-301764\"\/><\/figure>\n\n\n\n<p>Pour les banques cot\u00e9es, le manque \u00e0 gagner provenant du d\u00e9calage des \u00e9ch\u00e9ances des cr\u00e9dits aux particuliers pourrait avoisiner les 455 MDT. La BIAT, dont les encours de cr\u00e9dit d\u00e9passent les 10 milliards de dinars, pourrait subir un manque \u00e0 gagner de 75 MDT sur son PNB. La BNA, dont les engagements d\u00e9passent ceux de la BIAT (\u00e0 fin 2019) mais moins engag\u00e9e dans les cr\u00e9dits aux particuliers, pourrait voir son PNB \u00eatre affect\u00e9 de pr\u00e8s de 55 MDT sur la dur\u00e9e moyenne des cr\u00e9dits accord\u00e9s.<\/p>\n\n\n\n<p>Selon nos informations, pour l\u2019ATB, la proportion des cr\u00e9dits aux particuliers de la banque repr\u00e9sente seulement 17% du total de ses engagements faisant d\u2019elle la banque cot\u00e9e la moins expos\u00e9e aux cr\u00e9dits particuliers. Le manque \u00e0 gagner potentiel pour l\u2019ATB pourrait d\u00e9passer les 20 MDT.<\/p>\n\n\n\n<p>La circulaire n\u00b02020-08 de la BCT stipule que les \u00e9ch\u00e9ances report\u00e9es des cr\u00e9dits aux particuliers seront r\u00e9gl\u00e9es \u00e0 la fin de l\u2019\u00e9ch\u00e9ance de chaque cr\u00e9dit. Ainsi, les banques seront contraintes de r\u00e9duire leurs marges d&rsquo;int\u00e9r\u00eats pour absorber le manque \u00e0 gagner.<\/p>\n\n\n\n<p>Dans ce tableau nous calculons la r\u00e9duction n\u00e9cessaire du taux de sortie des cr\u00e9dits selon la maturit\u00e9 restante.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"http:\/\/kapitalis.com\/tunisie\/wp-content\/uploads\/2020\/06\/Tableau-3.jpg\" alt=\"\" class=\"wp-image-301765\"\/><\/figure>\n\n\n\n<p><em>* D\u00e9partement des \u00e9tudes et de la recherche de l\u2019interm\u00e9diaire en bourse AFC.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ainsi, les banques tunisiennes vont \u00eatre contraintes de r\u00e9duire leurs marges d&rsquo;int\u00e9r\u00eats pour absorber le manque \u00e0 gagner qui r\u00e9sultera du report des \u00e9ch\u00e9ances de cr\u00e9dit aux particuliers d\u00e9cid\u00e9 par la Banque centrale de Tunisie dans le cadre des mesures prises pour faire face aux cons\u00e9quences de la crise sanitaire du coronavirus. Par Boubaker Rekik&#8230;<\/p>\n","protected":false},"author":8,"featured_media":301763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[992,995,2433],"tags":[99,8938,17268,146,154,77958,79419,4612],"class_list":["post-301762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie","category-tunisie","tag-atb","tag-banque-centrale-de-tunisie","tag-banques-tunisiennes","tag-biat","tag-bna","tag-crise-sanitaire-du-covid-19","tag-echeances-de-credit-aux-particuliers","tag-produit-net-bancaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Impact du report des \u00e9ch\u00e9ances de cr\u00e9dit aux particuliers sur les banques tunisiennes - 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\/2020\/06\/02\/impact-du-report-des-echeances-de-credit-aux-particuliers-sur-les-banques-tunisiennes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Impact du report des \u00e9ch\u00e9ances de cr\u00e9dit aux particuliers sur les banques tunisiennes - Kapitalis\" \/>\n<meta property=\"og:description\" content=\"Ainsi, les banques tunisiennes vont \u00eatre contraintes de r\u00e9duire leurs marges d&rsquo;int\u00e9r\u00eats pour absorber le manque \u00e0 gagner qui r\u00e9sultera du report des \u00e9ch\u00e9ances de cr\u00e9dit aux particuliers d\u00e9cid\u00e9 par la Banque centrale de Tunisie dans le cadre des mesures prises pour faire face aux cons\u00e9quences de la crise sanitaire du coronavirus. 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