{"id":36087,"date":"2015-04-19T14:44:38","date_gmt":"2015-04-19T13:44:38","guid":{"rendered":"http:\/\/www.realites.com.tn\/?p=36087"},"modified":"2015-04-17T13:41:23","modified_gmt":"2015-04-17T12:41:23","slug":"notation-des-banques-tunisiennes-et-reformes","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/notation-des-banques-tunisiennes-et-reformes\/","title":{"rendered":"Notation des banques tunisiennes et r\u00e9formes"},"content":{"rendered":"<p class=\"p1\"><a href=\"http:\/\/www.realites.com.tn\/wp-content\/uploads\/2015\/04\/sP.jpg\" data-rel=\"penci-gallery-image-content\" ><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-36096\" src=\"http:\/\/www.realites.com.tn\/wp-content\/uploads\/2015\/04\/sP.jpg\" alt=\"sP\" width=\"672\" height=\"351\" srcset=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/04\/sP.jpg 672w, https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/04\/sP-300x156.jpg 300w\" sizes=\"(max-width: 672px) 100vw, 672px\" \/><\/a><\/p>\n<p class=\"p2\"><span class=\"s1\">Le dernier rapport pr\u00e9sent\u00e9 par l\u2019agence de notation Standard and Poors relatif aux banques priv\u00e9es tunisiennes traduit une aggravation des risques courus par quatre banques priv\u00e9es \u00e0 cause du retard enregistr\u00e9 au niveau de la concr\u00e9tisation des r\u00e9formes structurelles qui doivent \u00eatre r\u00e9alis\u00e9es par les pouvoirs publics dans le secteur.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">En effet les fonds propres des banques sont insuffisants et les normes de B\u00e2le ne sont pas respect\u00e9es. Elles ont trait \u00e0 la solvabilit\u00e9 des banques.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">D\u2019une part les fonds propres doivent \u00eatre au minium de 9% des engagements de la banque tandis que les provisions de la banque doivent au minimum couvrir 70% des cr\u00e9ances douteuses. Pour B\u00e2le III, en vigueur en Europe, c\u2019est 100% de couverture. Nous sommes encore loin.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">La restructuration des banques priv\u00e9es doit donc comporter aussi bien la recapitalisation des banques que l\u2019assainissement des bilans outre l\u2019instauration d\u2019une nouvelle gouvernance en ce qui concerne la ma\u00eetrise des risques lors de l\u2019octroi des cr\u00e9dits. <\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">La BCT n\u2019a pas encore impos\u00e9 \u00e0 toutes les banques l\u2019application de ces r\u00e9formes. L\u2019agence de notation consid\u00e8re cependant que les risques \u00e9conomiques industriels en Tunisie s\u2019acheminent vers une stabilisation.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">C\u2019est pourquoi, l\u2019agence a maintenu le classement du secteur immobilier et par suite la notation de la Banque de l\u2019Habitat BB perspective stable, la BTK BB perspective n\u00e9gative, la BTE BB n\u00e9gatif et l\u2019ATB BB perspective stable. <span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le dernier rapport pr\u00e9sent\u00e9 par l\u2019agence de notation Standard and Poors relatif aux banques priv\u00e9es tunisiennes traduit une aggravation des risques courus par quatre banques priv\u00e9es \u00e0 cause du retard&hellip;<\/p>\n","protected":false},"author":60,"featured_media":36096,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,4],"tags":[],"class_list":["post-36087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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