{"id":343212,"date":"2025-01-10T16:28:30","date_gmt":"2025-01-10T15:28:30","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=343212"},"modified":"2025-01-10T16:28:30","modified_gmt":"2025-01-10T15:28:30","slug":"uib-resilience-ajustements","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/uib-resilience-ajustements\/","title":{"rendered":"\u00a0UIB : R\u00e9silience &#038; ajustements"},"content":{"rendered":"<p>Dans un communiqu\u00e9 de presse, l\u2019UIB porte \u00e0 la connaissance du public ses principaux indicateurs d\u2019activit\u00e9, arr\u00eat\u00e9s au terme de l\u2019exercice 2024.<\/p>\n<ul>\n<li>L\u2019encours de d\u00e9p\u00f4ts est de <strong>6 858,7 MTND <\/strong>\u00e0 fin 2024 vs 6 285,9 MTND \u00e0 fin 2023. La hausse de l\u2019encours des d\u00e9p\u00f4ts de <strong>+9,1% <\/strong>correspondant \u00e0 <strong>+572,8 MTND <\/strong>r\u00e9sulte de la hausse (a) des d\u00e9p\u00f4ts \u00e0 vue (+150,7 MTND) (b) des d\u00e9p\u00f4ts d\u2019\u00e9pargne (+209,3 MTND) (c) des d\u00e9p\u00f4ts \u00e0 terme, certificats de d\u00e9p\u00f4t et autres produits financiers (+225,5 MTND) (d) et d\u2019une baisse des autres d\u00e9p\u00f4ts et avoirs de la client\u00e8le (-12,7 MTND).<\/li>\n<li>L\u2019encours net des cr\u00e9dits \u00e0 la client\u00e8le est de <strong>6 207,8 MTND <\/strong>\u00e0 fin 2024 vs 6 531,1 MTND une ann\u00e9e auparavant, soit une baisse de &#8211;<strong>4,9% <\/strong>correspondant \u00e0 <strong>-323,3 MTND<\/strong>.<\/li>\n<li>L\u2019encours des emprunts et ressources sp\u00e9ciales est de <strong>147,9 MTND <\/strong>\u00e0 fin 2024 vs 197,8 MTND une ann\u00e9e auparavant.<\/li>\n<li>Les produits d\u2019exploitation bancaire, pr\u00e9sent\u00e9s nets des agios r\u00e9serv\u00e9s, ont affich\u00e9 une hausse de <strong>6,5% <\/strong>pour atteindre <strong>925,7 MTND <\/strong>\u00e0 fin 2024 vs 869,04 MTND une ann\u00e9e auparavant.<\/li>\n<li>La marge d\u2019int\u00e9r\u00eat est de <strong>313,1 MTND <\/strong>en 2024 vs 301,6 MTND une ann\u00e9e auparavant, accusant ainsi une hausse de <strong>+3,8%. <\/strong><\/li>\n<li>La marge sur les commissions est de <strong>149,2 MTND <\/strong>en 2024 &#8211; vs 150,6 MTND une ann\u00e9e auparavant &#8211; et affiche ainsi une baisse de <strong>-0,9%. <\/strong><\/li>\n<li>Les revenus du portefeuille-titres commercial et d\u2019investissement ont enregistr\u00e9 une hausse de <strong>+18,4% <\/strong>pour atteindre <strong>79,6 MTND <\/strong>en 2024 vs 67,3 MTND une ann\u00e9e auparavant.<\/li>\n<li>Le Produit Net Bancaire a enregistr\u00e9 une hausse de <strong>+4,3% <\/strong>pour atteindre <strong>542 MTND <\/strong>en 2024 vs 519,5 MTND une ann\u00e9e auparavant.<\/li>\n<li>Les frais de personnel ont enregistr\u00e9 une hausse de <strong>+5,8% <\/strong>pour atteindre <strong>198 MTND <\/strong>en 2024 vs 187,1 MTND une ann\u00e9e auparavant.<\/li>\n<li>Les charges op\u00e9ratoires ont augment\u00e9 de <strong>+5,8% <\/strong>pour atteindre <strong>271,3 MTND <\/strong>en 2024 vs 256,4 MTND une ann\u00e9e auparavant.<\/li>\n<li>Le R\u00e9sultat Brut d\u2019Exploitation s\u2019est inscrit en hausse de <strong>+2,9% <\/strong>pour atteindre <strong>271,2 MTND <\/strong>en 2024 vs 263,6 MTND une ann\u00e9e auparavant.<\/li>\n<li>Le coefficient d\u2019exploitation est de \u00e0 <strong>50,1% <\/strong>en 2024 vs 49,4% une ann\u00e9e auparavant.<\/li>\n<\/ul>\n<p>Dans ledit communiqu\u00e9, la Gouvernance de la Banque d\u00e9clare que : \u00ab <em>Dans un contexte en pleine mutation, le mouvement de transformation de l\u2019UIB est en cours. Et que son mod\u00e8le \u00e9conomique b\u00e2ti sur la proximit\u00e9 tient d\u00e9sormais compte des nouveaux usages bancaires<\/em> \u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans un communiqu\u00e9 de presse, l\u2019UIB porte \u00e0 la connaissance du public ses principaux indicateurs d\u2019activit\u00e9, arr\u00eat\u00e9s au terme de l\u2019exercice 2024. L\u2019encours de d\u00e9p\u00f4ts est de 6 858,7 MTND&hellip;<\/p>\n","protected":false},"author":60,"featured_media":300923,"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-343212","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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00a0UIB : R\u00e9silience &amp; ajustements - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Dans un communiqu\u00e9 de presse, l\u2019UIB porte \u00e0 la connaissance du public ses principaux indicateurs d\u2019activit\u00e9, arr\u00eat\u00e9s au terme de l\u2019exercice 2024.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/uib-resilience-ajustements\/amp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00a0UIB : R\u00e9silience &amp; 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