{"id":209120,"date":"2021-04-16T22:40:01","date_gmt":"2021-04-16T21:40:01","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=209120"},"modified":"2021-04-16T22:40:01","modified_gmt":"2021-04-16T21:40:01","slug":"amen-bank-2020-solidite-et-resilience","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/amen-bank-2020-solidite-et-resilience\/","title":{"rendered":"AMEN BANK 2020\u00a0: Solidit\u00e9 et r\u00e9silience."},"content":{"rendered":"<p>AMEN BANK a cl\u00f4tur\u00e9 l\u2019ann\u00e9e 2020 fortement impact\u00e9e par les effets de la crise sanitaire, en d\u00e9montrant une grande capacit\u00e9 de r\u00e9silience lui permettant de sauvegarder ses acquis et de renforcer sa solidit\u00e9 financi\u00e8re.<br \/>\nAinsi, les d\u00e9p\u00f4ts de la client\u00e8le se sont \u00e9tablis \u00e0 fin d\u00e9cembre 2020 \u00e0 5\u00a0861,0 MD, marqu\u00e9s notamment par l\u2019\u00e9volution des d\u00e9p\u00f4ts d\u2019\u00e9pargne de 20,5% et des d\u00e9p\u00f4ts \u00e0 vue, de 17,5%.<br \/>\nDe m\u00eame, et pour les cr\u00e9dits \u00e0 la client\u00e8le, AMEN BANK a poursuivi son soutien \u00e0 l\u2019\u00e9conomie par l\u2019accompagnement de ses clients particuliers, professionnels et entreprises et qui s\u2019est traduit par une progression des cr\u00e9dits de 4,8% passant de 5\u00a0727,9 \u00e0 6\u00a0003,1 MD.<br \/>\nL\u2019impact des restrictions impos\u00e9es par la pand\u00e9mie (confinements et couvre-feu)et le ralentissement de l\u2019\u00e9conomie ont entrain\u00e9 une baisse des produits d\u2019exploitation de 5,68% par rapport \u00e0 2019, passant de 908,1 MD \u00e0 856,5 MD. Cette \u00e9volution compens\u00e9e par la baisse des charges d\u2019exploitation de 9,41%, a entrain\u00e9 une stabilisation du produit net bancaire \u00e0 400,5 MD, en retrait de 1,05% par rapport \u00e0 2019.<br \/>\nLes charges op\u00e9ratoires qui ont augment\u00e9 \u00e0 un taux mod\u00e9r\u00e9 de 4,55%, l\u2019effort de provisionnement de 99,8 MD et la contribution au fonds 1818, de lutte contre la Covid-19 de 11,4 MD, ont permis de d\u00e9gager un r\u00e9sultat net de 99,7 MD en diminution de 31.35% par rapport \u00e0 2019.<br \/>\nConfirmant sa consolidation, le niveau de capitaux propres d\u2019AMEN BANK a atteint 1\u00a0114millions de dinars au 31 d\u00e9cembre 2020, soit un actif net par action de 42,066 dinars.<br \/>\nLe ratio de liquidit\u00e9 LCR (Liquidity Coverage Ratio) s\u2019inscrit bien au-dessus des exigences r\u00e9glementaires. Afin d\u00e9cembre 2020, il s\u2019est \u00e9tablit \u00e0 138,4% contre un ratio r\u00e9glementaire minimum fix\u00e9 par la BCT de 100,00%.<br \/>\nLe stress test r\u00e9alis\u00e9 par la BCT a fait ressortir une confortable r\u00e9silience permettant \u00e0 AMEN BANK de faire face aux r\u00e9percussions de la crise de la Covid-19.<br \/>\nAu 31 d\u00e9cembre 2020, le ratio\u00a0Tier\u00a01 et le ratio de solvabilit\u00e9 se sont \u00e9tablit \u00e0 respectivement 11,7%et 16,4%, largement au-dessus de l\u2019exigence r\u00e9glementaire. Au vu de la solidit\u00e9 de son bilan, de sa politique de provisionnement prudente et du coussin confortable de fonds propres lui permettant de bien att\u00e9nuer l\u2019impact de la crise, le Conseil\u00a0de\u00a0Surveillance d\u2019AMEN BANK\u00a0r\u00e9uni le\u00a025 mars\u00a02021,\u00a0a d\u00e9cid\u00e9 de proposer \u00e0 l\u2019Assembl\u00e9e G\u00e9n\u00e9rale Ordinaire des actionnaires du\u00a027 avril\u00a02021, le versement d\u2019un dividende de\u00a02,150\u00a0dinars\u00a0par action, soit 43% du nominal, dans le respect des dispositions\u00a0et recommandations de la Banque Centrale\u00a0de Tunisie.<br \/>\nPar ailleurs, l\u2019ex\u00e9cution du programme de transformation NEXT s\u2019est poursuivie, dans le respect de la feuille de route strat\u00e9gique convenue en 2019 avec le cabinet international Oliver Wymann et dont la mise la \u0153uvre a \u00e9t\u00e9 cadr\u00e9e par le cabinet international Cap gemini Invent.<br \/>\nLe lancement au cours de l\u2019exercice 2020de plusieurs chantiers structurants a permis d\u2019op\u00e9rationnaliser les fondamentaux du programme de transformation, \u00e0 savoir la segmentation de la client\u00e8le, la sp\u00e9cialisation de r\u00e9seau de distribution, la ma\u00eetrise des risques ainsi que l\u2019automatisation et la digitalisation des processus.<br \/>\nCes chantiers ont \u00e9t\u00e9 consolid\u00e9s par la cr\u00e9ation du 1<sup>er<\/sup> Centre d\u2019Affaires d\u00e9di\u00e9 \u00e0 la client\u00e8le Corporate, et des premi\u00e8res agences Retail destin\u00e9es \u00e0 la client\u00e8le des Particuliers, des professionnels et des TPME ainsi que du Centre de Services Partag\u00e9s, qui a pris en charge les op\u00e9rations back-office des agences, pour leur permettre de se consacrer au d\u00e9veloppement de l\u2019activit\u00e9 commerciale.<br \/>\nParall\u00e8lement, un programme de red\u00e9ploiement du r\u00e9seau est men\u00e9, pour \u00e9largir la sp\u00e9cialisation du r\u00e9seau par la cr\u00e9ation de deux autres Centres d\u2019Affaires et d\u2019une soixantaine d\u2019agences Retail.<br \/>\nL\u2019ann\u00e9e 2020 a \u00e9t\u00e9 \u00e9galement marqu\u00e9e par la cr\u00e9ation d\u2019une Acad\u00e9mie qui abrite les formations d\u00e9di\u00e9es \u00e0 l\u2019embarquement des collaborateurs dans le programme de transformation et au d\u00e9veloppement du capital humain de mani\u00e8re g\u00e9n\u00e9rale.<br \/>\nLe programme se poursuivra durant 2021 jusqu\u2019\u00e0 l\u2019ach\u00e8vement des chantiers, l\u2019accomplissement des mises en \u0153uvres et l\u2019ach\u00e8vement du d\u00e9ploiement de tout le r\u00e9seau d\u2019AMEN BANK.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AMEN BANK a cl\u00f4tur\u00e9 l\u2019ann\u00e9e 2020 fortement impact\u00e9e par les effets de la crise sanitaire, en d\u00e9montrant une grande capacit\u00e9 de r\u00e9silience lui permettant de sauvegarder ses acquis et de&hellip;<\/p>\n","protected":false},"author":60,"featured_media":209121,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1464],"tags":[],"class_list":["post-209120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entreprises"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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