{"id":72186,"date":"2016-09-21T13:27:32","date_gmt":"2016-09-21T12:27:32","guid":{"rendered":"http:\/\/www.realites.com.tn\/?p=72186"},"modified":"2016-09-21T13:27:32","modified_gmt":"2016-09-21T12:27:32","slug":"services-bancaires-hausse-de-lipsb-de-2358-en-5-ans","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/services-bancaires-hausse-de-lipsb-de-2358-en-5-ans\/","title":{"rendered":"Services bancaires\u00a0: hausse de l\u2019IPSB de 23,58% en 5 ans"},"content":{"rendered":"

\"bct\"<\/p>\n

La Banque centrale de Tunisie a publi\u00e9, ce mercredi 21 septembre 2016, l\u2019indice des prix des services bancaires.
\nCet indice concerne les indicateurs qualificatifs pour mesurer les co\u00fbts des services bancaires, mission confi\u00e9e \u00e0 l\u2019Observatoire de l\u2019Inclusion Financi\u00e8re.
\nL\u2019IPSB a pour objectif de mesurer l\u2019\u00e9volution du niveau g\u00e9n\u00e9ral des prix des services bancaires\u00a0; il enregistre la variation des prix entre une p\u00e9riode de base (ann\u00e9e 2010) et une p\u00e9riode variable\u00a0ou entre deux p\u00e9riodes quelconques situ\u00e9es entre la p\u00e9riode de base et la p\u00e9riode courante.
\nAu regard des derni\u00e8res donn\u00e9es, l\u2019Indice des Prix des Services Bancaires (IPSB), a \u00e9volu\u00e9 durant les cinq derni\u00e8res ann\u00e9es comme suit\u00a0:<\/p>\n

\n\n\n\n
IPSB 2011<\/strong><\/td>\nIPSB 2012<\/strong><\/td>\nIPSB 2013<\/strong><\/td>\nIPSB 2014<\/strong><\/td>\nIPSB 2015<\/strong><\/td>\n<\/tr>\n
106,0<\/strong><\/td>\n108,1<\/strong><\/td>\n114,3<\/strong><\/td>\n120,7<\/strong><\/td>\n131,0<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n

Le panier de l\u2019IPSB \u00e9tant constitu\u00e9 dans sa majorit\u00e9 des commissions relatives aux virements, \u00e0 la mon\u00e9tique, aux offres group\u00e9es et aux frais de tenue de compte, par cons\u00e9quent toute modification de prix sur l\u2019un de ces services impacte significativement la valeur de l\u2019IPSB.<\/p>\n

Les caract\u00e9ristiques de l\u2019IPSB se d\u00e9taillent comme suit\u00a0:<\/strong><\/span><\/p>\n

    \n
  • population de r\u00e9f\u00e9rence<\/strong>: clients de particuliers\u00a0;<\/span><\/li>\n
  • panier-type<\/strong>: produits et services destin\u00e9s aux m\u00e9nages\u00a0;<\/span><\/li>\n
  • type de l\u2019indice<\/strong>: indice de Laspeyres avec 2010 comme ann\u00e9e de base\u00a0;<\/span><\/li>\n
  • donn\u00e9es collect\u00e9es<\/strong>: volume des op\u00e9rations et chiffres d\u2019affaires TTC\u00a0;<\/span><\/li>\n
  • origine des donn\u00e9es<\/strong>: Secteur bancaire\u00a0; et<\/span><\/li>\n
  • P\u00e9riodicit\u00e9<\/strong>: une p\u00e9riodicit\u00e9 annuelle a \u00e9t\u00e9 retenue provisoirement.
    \n<\/span>M\u00e9thodologie
    \n<\/strong><\/span>1-<\/strong> D\u00e9composition des recettes des banques entre particuliers et autres<\/u><\/strong> gr\u00e2ce \u00e0 une cl\u00e9 de r\u00e9partition d\u00e9termin\u00e9e pour chaque service bancaire \u00e0 partir des donn\u00e9es fournies par les banques.
    \n2-<\/strong> Calcul du coefficient budg\u00e9taire (ou la pond\u00e9ration). Il s\u2019agit de la part que repr\u00e9sente un service donn\u00e9 dans le total des d\u00e9penses des m\u00e9nages au titre des frais bancaires toutes banques confondues. Le prix utilis\u00e9 est, par construction, le prix moyen pour la p\u00e9riode d\u2019observation calcul\u00e9 en divisant la valeur totale des recettes d\u2019une banque par les quantit\u00e9s vendues au cours de la p\u00e9riode consid\u00e9r\u00e9e.
    \n3-<\/strong> Calcul de l\u2019indice\u00a0: des micro-indices sont combin\u00e9s en indices composites de niveau plus \u00e9lev\u00e9, eux-m\u00eames regroup\u00e9s en indices de niveaux sup\u00e9rieurs et ainsi de suite jusqu\u2019au dernier niveau qui permettra l\u2019obtention de l\u2019indice des prix de la p\u00e9riode consid\u00e9r\u00e9e.
    \nComposition du panier de l\u2019indice
    \n<\/strong><\/span>L\u2019IPSB est constitu\u00e9 d\u2019un panier compos\u00e9 des produits suivants\u00a0:
    \nLes Moyens de paiements
    \n<\/strong>-Effets<\/em>
    \n-Ch\u00e8ques
    \n-Pr\u00e9l\u00e8vements<\/em>
    \n-Virements en Tunisie<\/em>
    \n*Emis
    \n*Re\u00e7us
    \n-Virements \u00e0 l\u2019\u00e9tranger<\/em>
    \n*Emis
    \n*Re\u00e7us
    \n-Cartes Bancaires
    \n<\/em>\u00a0 * cotisation annuelle
    \n*Opposition
    \n*Recalcul du code
    \n*Remplacement de carte
    \nLa Gestion du compte
    \n<\/strong><\/span>Frais de tenue de compte ch\u00e8que
    \nFrais relatifs aux offres group\u00e9es \u00ab\u00a0Packages<\/em>\u00a0\u00bb
    \nAutres Services
    \n<\/strong><\/span>Frais de succession
    \nRecherche de documents
    \nBanque \u00e0 distance<\/li>\n<\/ul>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    La Banque centrale de Tunisie a publi\u00e9, ce mercredi 21 septembre 2016, l\u2019indice des prix des services bancaires. Cet indice concerne les indicateurs qualificatifs pour mesurer les co\u00fbts des services…<\/p>\n","protected":false},"author":60,"featured_media":66133,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,6],"tags":[],"class_list":["post-72186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nServices bancaires\u00a0: hausse de l\u2019IPSB de 23,58% en 5 ans - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"La Banque centrale de Tunisie a publi\u00e9, ce mercredi 21 septembre 2016, l\u2019indice des prix des services bancaires. 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