{"id":210157,"date":"2021-05-02T15:58:47","date_gmt":"2021-05-02T14:58:47","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=210157"},"modified":"2021-05-02T15:58:47","modified_gmt":"2021-05-02T14:58:47","slug":"la-stb-bank-tient-ses-assemblees-generales-ordinaire-et-extraordinaire-en-ligne","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/la-stb-bank-tient-ses-assemblees-generales-ordinaire-et-extraordinaire-en-ligne\/","title":{"rendered":"La STB Bank tient ses Assembl\u00e9es G\u00e9n\u00e9rales Ordinaire et Extraordinaire en ligne"},"content":{"rendered":"<p>Pour la deuxi\u00e8me ann\u00e9e cons\u00e9cutive, et pionni\u00e8re dans l\u2019exp\u00e9rience de la visioconf\u00e9rence de la communication officielle de ses indicateurs, la STB Bank a tenu le jeudi 29 avril 2021, ses Assembl\u00e9es G\u00e9n\u00e9rales Ordinaire et Extraordinaire aff\u00e9rentes \u00e0 l\u2019exercice 2020, en ligne, depuis son amphith\u00e9\u00e2tre de la STB Finance \u00e0 la Cit\u00e9 des Sciences.<\/p>\n<p>Cette premi\u00e8re assembl\u00e9e apr\u00e8s la fin du contrat programme 2016-2020, r\u00e9v\u00e8le non seulement une r\u00e9alisation conforme aux pr\u00e9visions retenues dans le cadre dudit contrat mais aussi un d\u00e9passement des objectifs trac\u00e9s, avec\u00a0:<\/p>\n<ul>\n<li>Un R\u00e9sultat Net de 72,2 MD, en d\u00e9pitd\u2019une contribution au fond 1818 pour la lutte contre la covid-19 (11,6 MD), d\u2019une contribution conjoncturelle au profit du budget de l\u2019Etat (14,2) et d\u2019une constatation d\u2019une provision collective compl\u00e9mentaire (34,4 MD)\u00a0;<\/li>\n<li>Un Produit Net Bancaire de 625,6 MD, troisi\u00e8me du secteur avec un taux de croissance \u00a0moyen le plus \u00e9lev\u00e9 sur les cinq derni\u00e8res ann\u00e9es\u00a0;<\/li>\n<li>Un encours de cr\u00e9dits octroy\u00e9s qui s\u2019est \u00e9tabli \u00e0 9 080 MD, en progression de 13,8% par rapport \u00e0 2019\u00a0;<\/li>\n<li>Une progression de (+14,6%) des d\u00e9p\u00f4ts de la client\u00e8le,\u00a0ayant d\u00e9pass\u00e9 le seuil des 8 milliards de dinars pour la premi\u00e8re fois et qui s\u2019est \u00e9tabli \u00e0 8 442 MD\u00a0;<\/li>\n<li>Des capitaux propres passant \u00e01100 MD \u00e0 fin 2020 avec une \u00e9volution de 5,3 % par rapport \u00e0 2019.<\/li>\n<\/ul>\n<p>Malgr\u00e9 un contexte conjoncturel difficile voire tr\u00e8s contraignant, li\u00e9 principalement \u00e0 la pand\u00e9mie de la Covid, l\u2019implication du personnel de la STB dans la concr\u00e9tisation et la r\u00e9ussite de sa strat\u00e9gie d\u00e9clin\u00e9e en projets fonctionnels, a permis \u00e0 la banque d\u2019avoir tous les ratios de rentabilit\u00e9, de productivit\u00e9 et de structure inscrits vers la hausse et \u00e0 satisfaire l\u2019ensemble les r\u00e8gles et normes prudentielles avec\u00a0:<\/p>\n<ul>\n<li>Une conformit\u00e9 aux seuils r\u00e9glementaires exig\u00e9s en mati\u00e8re du ratio LCR (100% \u00e0 partir de 2019) dont le niveau a atteint 102% \u00e0 fin d\u00e9cembre 2020, mais surtout \u00e0 faire baisser le LTD ratio sous la barre de 120% (seuil devant \u00eatre atteint courant 2023)\u00a0;<\/li>\n<li>Un maintien des ratios de solvabilit\u00e9 \u00e0 des seuils confortables qui t\u00e9moignent de sa forte r\u00e9silience face \u00e0 des risques majeurs tels que les effets li\u00e9s \u00e0 la pand\u00e9mie covid-19 et confirment ainsi les r\u00e9sultats obtenus des stress-testing.<\/li>\n<\/ul>\n<p>Pour sa strat\u00e9gie quinquennale 2021-2025, la STB consentira un effort double pour mieux se positionner en tant que banque citoyenne et un acteur leader, agissant en tant que banque locomotive dans le financement de l\u2019\u00e9conomie nationale.<\/p>\n<p>Avec la collaboration \u00e9troite de ses relations la STB, en tant que Banque citoyenne et ouverte sur son environnement national et international, est entrain de r\u00e9ussir sa transformation et met \u00e0 leur disposition, un \u00e9cosyst\u00e8me ouvert offrant les services du groupe STB et de ses partenaires (fintech, startup, assurance, correspondants, \u2026) \u00e0 travers des offres adapt\u00e9es \u00e0 leurs parcours, augment\u00e9es par des outils de conseil et d\u2019aide \u00e0 la d\u00e9cision. Convaincu par cette approche agile et participative on peut faire autrement et mieux.<\/p>\n<p>Apr\u00e8s le d\u00e9part de Madame N\u00e9jia Gharbi Pr\u00e9sidente du Conseil d\u2019Administration depuis 2016, \u00e0 laquelle nous souhaitons bonne continuation pour le reste de son parcours, la rel\u00e8ve sera assur\u00e9e dans la continuit\u00e9 et dans la primaut\u00e9 de l\u2019int\u00e9r\u00eat de l\u2019institution.<\/p>\n<p>Communiqu\u00e9<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour la deuxi\u00e8me ann\u00e9e cons\u00e9cutive, et pionni\u00e8re dans l\u2019exp\u00e9rience de la visioconf\u00e9rence de la communication officielle de ses indicateurs, la STB Bank a tenu le jeudi 29 avril 2021, ses&hellip;<\/p>\n","protected":false},"author":60,"featured_media":210158,"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-210157","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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