{"id":355656,"date":"2025-04-29T17:13:03","date_gmt":"2025-04-29T16:13:03","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=355656"},"modified":"2025-04-29T17:13:03","modified_gmt":"2025-04-29T16:13:03","slug":"ubci-une-trajectoire-de-croissance-perenne-et-des-fondamentaux-solides","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/ubci-une-trajectoire-de-croissance-perenne-et-des-fondamentaux-solides\/","title":{"rendered":"UBCI\u00a0: une trajectoire de croissance p\u00e9renne et des fondamentaux solides"},"content":{"rendered":"<p><strong>L\u2019Union Bancaire pour le Commerce et l\u2019Industrie (UBCI) a tenu son Assembl\u00e9e G\u00e9n\u00e9rale Ordinaire le lundi 29 avril 2025 \u00e0 l\u2019h\u00f4tel Radisson Blu \u00e0 Tunis.<\/strong><\/p>\n<p>\u00c0 cette occasion, le Pr\u00e9sident du Conseil d\u2019Administration, Hassine DOGHRI,\u00a0a souhait\u00e9 la bienvenue aux actionnaires pr\u00e9sents, les remerciant pour leur fid\u00e9lit\u00e9 et leur engagement constant aux c\u00f4t\u00e9s de la Banque. Dans son allocution d\u2019ouverture, il a salu\u00e9 la r\u00e9silience de la Banque au titre de l\u2019exercice 2024 et mis en avant la dynamique de transformation engag\u00e9e par l\u2019UBCI, visant \u00e0 renforcer sa position sur le march\u00e9, \u00e0 accompagner ses clients dans une d\u00e9marche de d\u00e9veloppement durable, et \u00e0 contribuer activement \u00e0 l\u2019essor de l\u2019\u00e9conomie nationale.<br \/>\nMohamed KOUBAA,\u00a0Directeur G\u00e9n\u00e9ral de l\u2019UBCI, a dress\u00e9 le bilan de l\u2019exercice \u00e9coul\u00e9, mettant en lumi\u00e8re une trajectoire de croissance p\u00e9renne et des fondamentaux solides, soutenus par une gestion rigoureuse des risques. Un ensemble de r\u00e9sultats qui t\u00e9moigne de la r\u00e9silience du mod\u00e8le \u00e9conomique de l\u2019UBCI.<br \/>\nIl a \u00e9galement partag\u00e9 les grandes avanc\u00e9es strat\u00e9giques de l\u2019ann\u00e9e, notamment un jalon structurant, \u00a0constitu\u00e9 par la migration r\u00e9ussie vers le nouveau syst\u00e8me d&rsquo;information Flexcube. Ce chantier d\u2019envergure marque l\u2019ach\u00e8vement de la d\u00e9simbrication des anciens syst\u00e8mes. Cette \u00e9volution technologique majeure dote d\u00e9sormais la Banque d\u2019une autonomie informatique totale, renfor\u00e7ant son agilit\u00e9, sa capacit\u00e9 d\u2019innovation et son ind\u00e9pendance.<br \/>\nDans le cadre de la poursuite de son plan de transformation, l\u2019UBCI a r\u00e9organis\u00e9 son p\u00f4le Business\u00a0afin de renforcer la dynamique commerciale, d\u00e9velopper son portefeuille clients, notamment aupr\u00e8s des TPME, et accro\u00eetre ses parts de march\u00e9. Cette nouvelle organisation vise \u00e9galement \u00e0 optimiser l\u2019orientation client et les processus d\u00e9cisionnels, tout en maintenant une gestion rigoureuse des risques.<br \/>\nDans cette phase cl\u00e9 de transformation,\u00a0l\u2019UBCI a d\u00e9voil\u00e9 son plan strat\u00e9gique \u00e0 horizon 2029 : \u00ab \u00c9mergence 2029 \u00bb. Fruit d\u2019une d\u00e9marche participative et collective, cette vision trace les contours d\u2019un nouveau cycle de d\u00e9veloppement, pour positionner l\u2019UBCI comme une banque universelle et citoyenne, r\u00e9solument tourn\u00e9e vers la performance durable et l\u2019impact positif.\u00a0Port\u00e9e par ses valeurs fondatrices \u2013 Innovation, Qualit\u00e9 et Durabilit\u00e9 \u2013 l\u2019UBCI ambitionne de renforcer la confiance de ses parties prenantes, d\u2019accro\u00eetre son rayonnement commercial et de g\u00e9n\u00e9rer une prosp\u00e9rit\u00e9 inclusive.<br \/>\nL\u2019UBCI continue d\u2019illustrer l\u2019efficacit\u00e9 de son mod\u00e8le de gestion des risques, reposant sur une politique d\u2019octroi rigoureuse et un suivi renforc\u00e9 du recouvrement. Cette approche a permis une am\u00e9lioration continue de la qualit\u00e9 du portefeuille, avec un taux de cr\u00e9ances douteuses (NPL)\u00a0r\u00e9duit \u00e0 5 %\u00a0et un taux de couverture sup\u00e9rieur \u00e0 76 %, parmi les meilleurs du secteur.<br \/>\nDans ce contexte de performance soutenue, l\u2019Assembl\u00e9e G\u00e9n\u00e9rale de l\u2019UBCI a \u00e9galement approuv\u00e9 la distribution d\u2019un dividende de 1,250 dinar<strong><b>\u00a0<\/b><\/strong>brut par action, dont le paiement interviendra \u00e0 partir du 7 mai 2025.<br \/>\nL\u2019UBCI remercie l\u2019ensemble de ses actionnaires pour leur confiance renouvel\u00e9e et r\u00e9affirme son engagement \u00e0 poursuivre la dynamique de transformation dans un esprit d\u2019innovation, de responsabilit\u00e9 et de performance durable.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Union Bancaire pour le Commerce et l\u2019Industrie (UBCI) a tenu son Assembl\u00e9e G\u00e9n\u00e9rale Ordinaire le lundi 29 avril 2025 \u00e0 l\u2019h\u00f4tel Radisson Blu \u00e0 Tunis. \u00c0 cette occasion, le Pr\u00e9sident&hellip;<\/p>\n","protected":false},"author":60,"featured_media":355657,"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-355656","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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