{"id":379859,"date":"2026-01-21T14:59:27","date_gmt":"2026-01-21T13:59:27","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=379859"},"modified":"2026-01-21T14:59:27","modified_gmt":"2026-01-21T13:59:27","slug":"lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/","title":{"rendered":"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025"},"content":{"rendered":"<p>L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa dynamique commerciale.<\/p>\n<p>L\u2019encours des cr\u00e9dits \u00e0 la client\u00e8le (nets de provisions et d\u2019agios r\u00e9serv\u00e9s) atteint 3769 millions de dinars, en augmentation de 478 millions de dinars, soit une croissance remarquable de 14.5% par rapport \u00e0 d\u00e9cembre 2024. Cette progression confirme l\u2019engagement constant de la banque dans le financement de l\u2019\u00e9conomie.<\/p>\n<p>Parall\u00e8lement, les d\u00e9p\u00f4ts de la client\u00e8le s\u2019\u00e9tablissent \u00e0 3922 millions de dinars, contre 3291 millions de dinars en d\u00e9cembre 2024, enregistrant une hausse de 3.7 %. Cette \u00e9volution est principalement port\u00e9e par la progression des d\u00e9p\u00f4ts \u00e0 vue (7 %) et des d\u00e9p\u00f4ts d\u2019\u00e9pargne (+7.9 %).<\/p>\n<p>En cons\u00e9quence, les produits d\u2019exploitation bancaires enregistrent une hausse de 9.8%, pour s\u2019\u00e9tablir \u00e0 571 millions de dinars au terme de 2025, contre 520 millions de dinars l\u2019ann\u00e9e pr\u00e9c\u00e9dente.<\/p>\n<p>Les charges d\u2019exploitation bancaires s\u2019\u00e9l\u00e8vent \u00e0 220 millions de dinars, en augmentation de 10.3 % par rapport \u00e0 fin d\u00e9cembre 2024 (199 millions de dinars).<\/p>\n<p>Dans ce contexte, le Produit Net Bancaire (PNB) ressort \u00e0 351 millions de dinars, enregistrant une hausse de 9.5 % par rapport \u00e0 l\u2019exercice pr\u00e9c\u00e9dent.<\/p>\n<p>Enfin, les charges op\u00e9ratoires affichent une hausse ma\u00eetris\u00e9e de 6.6 %, principalement li\u00e9e \u00e0 l\u2019augmentation des frais de personnel (7.2 %), confirmant le pilotage rigoureux des ressources dans un environnement en transformation.<\/p>\n<p>Ces r\u00e9sultats confortent la trajectoire de croissance rentable engag\u00e9e par l\u2019UBCI et renforcent sa position d\u2019acteur bancaire responsable, au service de ses clients et du d\u00e9veloppement \u00e9conomique.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa dynamique commerciale. L\u2019encours des cr\u00e9dits \u00e0&hellip;<\/p>\n","protected":false},"author":60,"featured_media":330873,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,6,1464],"tags":[],"class_list":["post-379859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie","category-entreprises"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025 - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa\" \/>\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\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025 - R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"og:description\" content=\"L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/realites.tn\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-21T13:59:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1030\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"La R\u00e9daction\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"La R\u00e9daction\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/\",\"url\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/\",\"name\":\"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025 - R\u00e9alit\u00e9s Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png\",\"datePublished\":\"2026-01-21T13:59:27+00:00\",\"author\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/438b71c29a257d955d96d8aef42336e7\"},\"description\":\"L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa\",\"breadcrumb\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#primaryimage\",\"url\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png\",\"contentUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png\",\"width\":2000,\"height\":1030},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/realites.com.tn\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#website\",\"url\":\"https:\/\/realites.com.tn\/fr\/\",\"name\":\"R\u00e9alit\u00e9s Magazine\",\"description\":\"Actualit\u00e9s de la Tunisie\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/realites.com.tn\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/438b71c29a257d955d96d8aef42336e7\",\"name\":\"La R\u00e9daction\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/fbe9ab25fcc82b6e660ad5648f91eadb?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/fbe9ab25fcc82b6e660ad5648f91eadb?s=96&d=mm&r=g\",\"caption\":\"La R\u00e9daction\"},\"url\":\"https:\/\/realites.com.tn\/fr\/author\/realites5201\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025 - R\u00e9alit\u00e9s Magazine","description":"L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/","og_locale":"fr_FR","og_type":"article","og_title":"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025 - R\u00e9alit\u00e9s Magazine","og_description":"L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa","og_url":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/","og_site_name":"R\u00e9alit\u00e9s Magazine","article_publisher":"https:\/\/www.facebook.com\/realites.tn\/","article_published_time":"2026-01-21T13:59:27+00:00","og_image":[{"width":2000,"height":1030,"url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png","type":"image\/png"}],"author":"La R\u00e9daction","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"La R\u00e9daction","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/","url":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/","name":"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025 - R\u00e9alit\u00e9s Magazine","isPartOf":{"@id":"https:\/\/realites.com.tn\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#primaryimage"},"image":{"@id":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#primaryimage"},"thumbnailUrl":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png","datePublished":"2026-01-21T13:59:27+00:00","author":{"@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/438b71c29a257d955d96d8aef42336e7"},"description":"L\u2019UBCI cl\u00f4ture l\u2019exercice 2025 avec une performance solide et une am\u00e9lioration notable de l\u2019ensemble de ses indicateurs d\u2019activit\u00e9 gr\u00e2ce \u00e0 la force de sa","breadcrumb":{"@id":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#primaryimage","url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png","contentUrl":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png","width":2000,"height":1030},{"@type":"BreadcrumbList","@id":"https:\/\/realites.com.tn\/fr\/lubci-publie-ses-indicateurs-dactivite-un-produit-net-bancaire-en-hausse-de-9-5-a-fin-2025\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/realites.com.tn\/fr\/"},{"@type":"ListItem","position":2,"name":"L\u2019UBCI publie ses indicateurs d\u2019activit\u00e9: \u00a0un produit net Bancaire en hausse de 9.5% \u00e0 fin 2025"}]},{"@type":"WebSite","@id":"https:\/\/realites.com.tn\/fr\/#website","url":"https:\/\/realites.com.tn\/fr\/","name":"R\u00e9alit\u00e9s Magazine","description":"Actualit\u00e9s de la Tunisie","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/realites.com.tn\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/438b71c29a257d955d96d8aef42336e7","name":"La R\u00e9daction","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/fbe9ab25fcc82b6e660ad5648f91eadb?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/fbe9ab25fcc82b6e660ad5648f91eadb?s=96&d=mm&r=g","caption":"La R\u00e9daction"},"url":"https:\/\/realites.com.tn\/fr\/author\/realites5201\/"}]}},"jetpack_featured_media_url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2024\/09\/UBCI-hajer.png","jetpack_sharing_enabled":true,"views":68,"_links":{"self":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/379859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/comments?post=379859"}],"version-history":[{"count":1,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/379859\/revisions"}],"predecessor-version":[{"id":379860,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/379859\/revisions\/379860"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/media\/330873"}],"wp:attachment":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/media?parent=379859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/categories?post=379859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/tags?post=379859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}