Des r\u00e9sultats positifs malgr\u00e9 la crise \u00e9conomique <\/strong><\/p>\nA l\u2019ordre du jour pour l\u2019AGO, la lecture du rapport du Conseil d\u2019Administration sur la gestion de la banque et des \u00e9tats financiers individuels pour l\u2019exercice clos le 31 d\u00e9cembre 2021 ainsi que sur la gestion du Groupe et des \u00e9tats financiers consolid\u00e9s pour la m\u00eame p\u00e9riode. Les responsables ont \u00e9galement proc\u00e9d\u00e9 \u00e0 la lecture des rapports des commissaires aux comptes sur l\u2019ex\u00e9cution de leur mission, de l\u2019approbation des rapports du conseil d\u2019administration et des \u00e9tats financiers ainsi que du quitus aux administrateurs et affectations des r\u00e9sultats de l\u2019exercice 2021.<\/p>\n
![\"\"](\"https:\/\/www.realites.com.tn\/wp-content\/uploads\/2022\/04\/uib5-1024x768.jpg\")
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\u00ab\u00a0 Les \u00e9tats financiers de l\u2019UIB font ressortir des capitaux propres positifs de 743 millions de dinars y compris un r\u00e9sultat b\u00e9n\u00e9ficiaire s\u2019\u00e9levant \u00e0 82 millions de dinars environs soit une progression de 32% en 2021. Ce r\u00e9sultat aurait\u00a0 du \u00eatre meilleur, son impact d\u00e9coulant d\u2019abord de la constitution de la provision collective. Ensuite de la baisse \u00e0 deux reprises des taux directeurs de la BCT et enfin, de la comptabilisation de charges \u00e0 caract\u00e8re non r\u00e9current\u00a0\u00bb\u00a0 a indiqu\u00e9, Kamel N\u00e9ji pr\u00e9sident du Conseil d\u2019Administration de l\u2019UIB.<\/p>\n
Il pr\u00e9cise qu\u2019\u00e0 la faveur d\u2019analyses issues de stress test, la banque centrale de Tunisie a pu relever que l\u2019UIB est robuste et capable de surmonter le plus s\u00e9v\u00e8re des sc\u00e9narii et faire face \u00e0 d\u2019\u00e9ventuelles d\u00e9t\u00e9riorations des perspectives \u00e9conomiques li\u00e9es \u00e0 la crise actuelle. Ce diagnostic est renforc\u00e9 par nos indicateurs d\u2019activit\u00e9s au premier trimestre. Le PNB est en croissance de 9% environs et ce malgr\u00e9 le recul des cr\u00e9dits. Les charges op\u00e9ratoires sont orient\u00e9es \u00e0 la baisse et le co\u00fbt du risque ressemble \u00e0 ce qui \u00e9tait pr\u00e9vu.<\/p>\n
Selon lui, l\u2019impact de la crise sur les performances de la banque est peu visible \u00e0 fin mars 2022 qui ne pr\u00e9voir pas \u00e0 ce stade, d\u2019ajustement \u00e0 la baisse du r\u00e9sultat net estim\u00e9 \u00e0 109 millions de dinars en 2022. \u00a0\u00ab Il demeure clair que nous pourrions revoir nos pr\u00e9visions su la situation l\u2019exigeait. Nul ne peut nier aujourd\u2019hui que l\u2019UIB est m\u00e9tamorphos\u00e9e au point de devenir l\u2019une des icones du syst\u00e8me bancaire tunisien \u00bb a ajout\u00e9 M. N\u00e9ji, avant de revenir sur les cr\u00e9ances qui sont couvertes \u00e0 hauteur de 77,5% par des provisions et agios r\u00e9serv\u00e9s.<\/p>\n
![\"\"](\"https:\/\/www.realites.com.tn\/wp-content\/uploads\/2022\/04\/uib3-1024x768.jpg\")
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\u00ab\u00a0En r\u00e9ponse \u00e0 la crise dont avons du augmenter la dotation provision de 8,2 millions de dinars au cours des deux derniers exercices et ce, pour faire face au risque de d\u00e9faut sur notre portefeuille de cr\u00e9ances \u00e0 la client\u00e8le. Sur un autre plan et s\u2019agissant des\u00a0 charges op\u00e9ratoires, on ne peut nier que leur \u00e9volution 8% en moyenne (2020\/2021) a tendance \u00e0 d\u00e9passer l\u00e9g\u00e8rement le rythme d\u2019inflation. L\u2019UIB qui a vocation \u00e0 \u00eatre efficace doit faire davantage pour contenir la base de ses co\u00fbts\u00a0\u00bb a soulign\u00e9 le pr\u00e9sident du Conseil d\u2019Administration de l\u2019UIB.<\/p>\n
Quelques indicateurs de performances sur les r\u00e9sultats financiers de l\u2019UIB au 33\/12\/2021\u00a0:<\/strong><\/p>\n\n- 686,4 MTND de produits d\u2019exploitation bancaire, soit un taux de croissance de plus de 3,6% par rapport \u00e0 2020<\/li>\n
- 442,8 MDT de PNB en 2021, soit un taux de croissance de +10,1% par rapport \u00e0 2020<\/li>\n
- 49,8 MDT de charges g\u00e9n\u00e9rales d\u2019exploitation (35,5 MDT hors contribution aux fonds de garantie d es d\u00e9pots bancaires) soit une hausse de + 7% par rapport \u00e0 2020<\/li>\n
- 176,2 MDT de frais de personnel, soit un taux de croissance de +22,9 % par rapport \u00e0 2020 dus \u00e0 la r\u00e9vision de l\u2019indemnit\u00e9 de fin de carri\u00e8re, aux augmentations salariales conventionnelles et non conventionnelles et \u00e0 l\u2019impact des dispositifs des mont\u00e9es en comp\u00e9tences des collaborateurs.<\/li>\n<\/ul>\n
<\/p>\n
Indicateurs boursiers\u00a0<\/strong><\/p>\nL\u2019UIB est la 5\u00e8me<\/sup> \u00a0capitalisation boursi\u00e8re du secteur bancaire en Tunisie avec un PER de 6,3 et P\/B de 0,7. Une capitalisation boursi\u00e8re multipli\u00e9e par 4,3 sur 14 ans (511,2 MDT contre 118,7 MDT en juin 2008).<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":"
L\u2019Union Internationale des Banques (UIB) a tenu son assembl\u00e9e g\u00e9n\u00e9rale ordinaire (AGO) le 29 avril 2022 \u00e0 Tunis, en pr\u00e9sence de son directeur g\u00e9n\u00e9ral, Raoul Labb\u00e9 de la Genardi\u00e8re, du…<\/p>\n","protected":false},"author":60,"featured_media":233159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-233155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"\n
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