{"id":28762,"date":"2015-02-13T13:11:42","date_gmt":"2015-02-13T12:11:42","guid":{"rendered":"http:\/\/www.realites.com.tn\/?p=28762"},"modified":"2018-04-07T01:34:28","modified_gmt":"2018-04-07T00:34:28","slug":"la-stb-force-et-fragilite","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/la-stb-force-et-fragilite\/","title":{"rendered":"La STB\u00a0: Force et fragilit\u00e9"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>Le produit net bancaire de la Soci\u00e9t\u00e9 tunisienne de Banque (STB) s\u2019est accru en 2014 de 6,10%, comparativement \u00e0 son niveau enregistr\u00e9 \u00e0 fin\u00a0 2013, pour passer \u00e0 262,3 MDT. Cette situation r\u00e9sulte d\u2019une \u00e9volution plus importante des produits d\u2019exploitation bancaire par rapport \u00e0 celle des charges d\u2019exploitation. Les d\u00e9p\u00f4ts de la client\u00e8le de la STB ont progress\u00e9 de 3,09% et se sont \u00e9tablis \u00e0 5335,7 millions de dinars \u00e0 fin d\u00e9cembre 2014 contre 5175,4 millions de dinars \u00e0 fin d\u00e9cembre 2013. Les cr\u00e9dits bruts \u00e0 la client\u00e8le ont augment\u00e9 de\u00a0 2,61% pour s\u2019\u00e9tablir \u00e0 5612,1 millions de dinars \u00e0 fin d\u00e9cembre 2014, contre 5469,1 millions de dinars au terme de la m\u00eame p\u00e9riode de l\u2019exercice 2013. Les produits d\u2019exploitation bancaire quant \u00e0 eux ont enregistr\u00e9 une \u00e9volution de 1,1%, passant de 125,1 MDT \u00e0 fin d\u00e9cembre 2013 \u00e0 127,2 MDT \u00e0 fin d\u00e9cembre 2014. Les charges op\u00e9ratoires ont enregistr\u00e9 une hausse de 14,1 millions de dinars ou 11,71% et ont totalis\u00e9 134,5 MDT \u00e0 fin d\u00e9cembre 2014 contre 120,4 MDT une ann\u00e9e auparavant. Cette progression est principalement imputable \u00e0 l\u2019accroissement de la masse salariale (+9,3%) cons\u00e9quence de l\u2019augmentation l\u00e9gale des salaires. Pour les d\u00e9p\u00f4ts bancaires, la STB a r\u00e9alis\u00e9 les plus bas niveaux,\u00a0 se classant \u00e0 la 5e place avec 5 279MD alors qu\u2019elle \u00e9tait en 1\u00e8re position trois mois auparavant. Le manque de liquidit\u00e9 au niveau du secteur bancaire s\u2019est aggrav\u00e9 en 2014 et le ratio de transformation des d\u00e9p\u00f4ts en cr\u00e9dits s\u2019est d\u00e9t\u00e9rior\u00e9 durant cette ann\u00e9e. Il s\u2019\u00e9tablit au premier trimestre \u00e0 pr\u00e8s de 94,8% et la STB affiche les ratios de couverture les plus faibles du secteur avec 68%. Quant aux cr\u00e9dits bancaires, ils ont affich\u00e9 une progression de 0,8% par rapport \u00e0 fin d\u00e9cembre 2013. La STB se positionne en troisi\u00e8me place.<\/p>\n<p style=\"text-align: right;\"><strong>\u00a0Najeh Jaouadi<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Le produit net bancaire de la Soci\u00e9t\u00e9 tunisienne de Banque (STB) s\u2019est accru en 2014 de 6,10%, comparativement \u00e0 son niveau enregistr\u00e9 \u00e0 fin\u00a0 2013, pour passer \u00e0 262,3&hellip;<\/p>\n","protected":false},"author":60,"featured_media":28763,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-28762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-societe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La STB\u00a0: Force et fragilit\u00e9 - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"&nbsp; 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