{"id":4518741,"date":"2022-10-14T09:30:08","date_gmt":"2022-10-14T08:30:08","guid":{"rendered":"https:\/\/kapitalis.com\/tunisie\/?p=4518741"},"modified":"2022-10-14T09:30:09","modified_gmt":"2022-10-14T08:30:09","slug":"lanalyse-de-fitch-ratings-sur-letat-de-sante-des-banques-tunisiennes","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2022\/10\/14\/lanalyse-de-fitch-ratings-sur-letat-de-sante-des-banques-tunisiennes\/","title":{"rendered":"L\u2019analyse de Fitch Ratings sur l\u2019\u00e9tat de sant\u00e9 des banques tunisiennes"},"content":{"rendered":"\n<p><strong><em>L\u2019exposition souveraine des banques tunisiennes (hors entreprises publiques) \u00e9tait de 16% des actifs du secteur \u00e0 fin mai 2022, soit environ 90% des fonds propres du secteur, a indiqu\u00e9 Fitch Ratings.<\/em><\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<p><em>\u00abBien qu&rsquo;il ne soit pas particuli\u00e8rement \u00e9lev\u00e9 selon les normes r\u00e9gionales, cela pose des risques pour les faibles r\u00e9serves de fonds propres des banques. La plupart des expositions sont en monnaie locale, ce qui signifie qu&rsquo;une restructuration de la dette souveraine en monnaie locale pourrait entra\u00eener des pertes substantielles \u00bb<\/em>, a d\u00e9clar\u00e9 l&rsquo;agence de notation dans une note publi\u00e9e mercredi 12 octobre 2022.<\/p>\n\n\n\n<p>Malgr\u00e9 les risques souverains, les conditions de liquidit\u00e9 se sont assouplies, les d\u00e9p\u00f4ts des clients continuant d\u2019affluer vers le syst\u00e8me bancaire, tandis que les banques pr\u00eataient avec plus de prudence.<\/p>\n\n\n\n<p>La d\u00e9pendance du secteur vis-\u00e0-vis du financement de la banque centrale \u00e9tait de 5% \u00e0 fin mai 2022, bien en-de\u00e7\u00e0 du pic de 15% en 2019, lorsque la Tunisie a \u00e9t\u00e9 confront\u00e9e \u00e0 une crise de liquidit\u00e9 majeure. Le ratio moyen cr\u00e9dits\/d\u00e9p\u00f4ts clients calcul\u00e9 par Fitch a diminu\u00e9 \u00e0 111% \u00e0 fin 1S22 (fin 2021 : 114%).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pressions sur les liquidit\u00e9s en perspective<\/h2>\n\n\n\n<p>Le syst\u00e8me bancaire tunisien est relativement peu sensible au resserrement des conditions financi\u00e8res mondiales compte tenu de sa faible dollarisation, ce qui limite les risques de refinancement. Les banques \u00e9mettent sur le march\u00e9 int\u00e9rieur et seulement 1% des d\u00e9p\u00f4ts des clients du secteur sont en devises \u00e9trang\u00e8res. Cependant, un ralentissement de la croissance des d\u00e9p\u00f4ts, coupl\u00e9 \u00e0 des demandes de financement accrues de la part de l\u2019\u00c9tat, pourrait d\u00e9clencher de nouvelles pressions sur les liquidit\u00e9s, a indiqu\u00e9 la m\u00eame source.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-kapitalis wp-block-embed-kapitalis\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"vzLyB5SHZP\"><a href=\"https:\/\/kapitalis.com\/tunisie\/2021\/06\/22\/fitch-ratings-les-perspectives-des-banques-tunisiennes-restent-difficiles\/\">Fitch Ratings : Les perspectives des banques tunisiennes restent difficiles<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u00ab\u00a0Fitch Ratings : Les perspectives des banques tunisiennes restent difficiles\u00a0\u00bb &#8212; Kapitalis\" src=\"https:\/\/kapitalis.com\/tunisie\/2021\/06\/22\/fitch-ratings-les-perspectives-des-banques-tunisiennes-restent-difficiles\/embed\/#?secret=fdiHEDfZbL#?secret=vzLyB5SHZP\" data-secret=\"vzLyB5SHZP\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Les banques \u00e9mettent sur le march\u00e9 int\u00e9rieur et seulement 1% des d\u00e9p\u00f4ts des clients du secteur sont en devises \u00e9trang\u00e8res. Cependant, un ralentissement de la croissance des d\u00e9p\u00f4ts, coupl\u00e9 \u00e0 des demandes de financement accrues de la part de l&rsquo;\u00c9tat, pourrait d\u00e9clencher de nouvelles pressions sur les liquidit\u00e9s.<\/p>\n\n\n\n<p>L\u2019agence de notation a d\u00e9clar\u00e9 que la rentabilit\u00e9 des banques tunisiennes, qui a rebondi pr\u00e8s des niveaux d\u2019avant la pand\u00e9mie au 1S22, devrait contribuer \u00e0 att\u00e9nuer des conditions d\u2019exploitation plus faibles, mais des risques de cr\u00e9dit \u00e9mergent, les mesures de la qualit\u00e9 des actifs se d\u00e9t\u00e9riorant d\u00e9j\u00e0.<\/p>\n\n\n\n<p>La baisse des charges de d\u00e9pr\u00e9ciation et la hausse des taux ont entra\u00een\u00e9 le fort rebond de la rentabilit\u00e9 au 1S22, le rendement annualis\u00e9 des capitaux propres moyens du secteur augmentant \u00e0 16% (2021 : 10%), proche de son niveau de 2019 de 17%.<\/p>\n\n\n\n<p>D&rsquo;autre part, Fitch a d\u00e9clar\u00e9 que la marge nette d\u2019int\u00e9r\u00eat moyenne des plus grandes banques a augment\u00e9 \u00e0 4% au 1S22 (2021 : 3,8%), car les hausses de taux ont eu peu d&rsquo;impact sur les co\u00fbts de financement \u00e9tant donn\u00e9 la forte proportion de comptes courants et d\u2019\u00e9pargne \u00e0 faible co\u00fbt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00e9t\u00e9rioration de la qualit\u00e9 des actifs<\/h2>\n\n\n\n<p>La rentabilit\u00e9 op\u00e9rationnelle a \u00e9t\u00e9 dop\u00e9e par la baisse des charges de d\u00e9pr\u00e9ciation, qui ont consomm\u00e9, en moyenne, 31% du b\u00e9n\u00e9fice avant d\u00e9pr\u00e9ciation (2021 : 43%), a soulign\u00e9 l\u2019agence de notation.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-kapitalis wp-block-embed-kapitalis\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"ZJNBNtKCxR\"><a href=\"https:\/\/kapitalis.com\/tunisie\/2021\/05\/14\/lexposition-des-banques-tunisiennes-a-la-dette-souveraine-a-plus-que-double-en-10-ans\/\">L\u2019exposition des banques tunisiennes \u00e0 la dette souveraine a plus que doubl\u00e9 en 10 ans<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u00ab\u00a0L\u2019exposition des banques tunisiennes \u00e0 la dette souveraine a plus que doubl\u00e9 en 10 ans\u00a0\u00bb &#8212; Kapitalis\" src=\"https:\/\/kapitalis.com\/tunisie\/2021\/05\/14\/lexposition-des-banques-tunisiennes-a-la-dette-souveraine-a-plus-que-double-en-10-ans\/embed\/#?secret=sZM7kqDRcm#?secret=ZJNBNtKCxR\" data-secret=\"ZJNBNtKCxR\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Fitch a d\u00e9clar\u00e9 qu\u2019il \u00e9tait sceptique que les charges de d\u00e9pr\u00e9ciation soient suffisantes pour contrebalancer les risques, compte tenu des conditions d\u2019exploitation m\u00e9diocres et de la d\u00e9t\u00e9rioration de la qualit\u00e9 des actifs.<\/p>\n\n\n\n<p>L\u2019inflation \u00e9lev\u00e9e, la hausse des taux et l\u2019instabilit\u00e9 politique mettent la pression sur les emprunteurs, et le ratio moyen pr\u00eats douteux\/pr\u00eats bruts des neuf plus grandes banques (hors STB Bank) a augment\u00e9 de 150pb \u00e0 11,7% \u00e0 fin 1S22 (moyenne du secteur : 13,1%).<\/p>\n\n\n\n<p><em><strong>Communiqu\u00e9.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019exposition souveraine des banques tunisiennes est de 16% des actifs du secteur \u00e0 fin mai 2022. <\/p>\n","protected":false},"author":8,"featured_media":4518835,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[995,2433],"tags":[17268,103668,90141,6777,2627,1401],"class_list":["post-4518741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-tunisie","tag-banques-tunisiennes","tag-depots-des-clients","tag-dette-souveraine","tag-fitch-ratings","tag-fonds-propres","tag-liquidites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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