D\u2019apr\u00e8s une analyse publi\u00e9e ce lundi 7 novembre 2023, par \u00ab Fitch Ratings \u00bb, les b\u00e9n\u00e9fices \u00e9lev\u00e9s des banques tunisiennes enregistr\u00e9s au premier semestre 2023 cachent des risques de liquidit\u00e9 et de solvabilit\u00e9.\u00bb<\/p>\n\n\n\n
Selon l\u2019agence de notation financi\u00e8re internationale, le retard pris dans la conclusion d\u2019un accord avec le Fonds Mon\u00e9taire International (FMI) a pouss\u00e9 \u00ab\u00a0le gouvernement \u00e0 s’appuyer de plus en plus sur les banques pour r\u00e9pondre \u00e0 ses besoins financiers importants\u00a0\u00bb.<\/p>\n\n\n\n
\u00ab Cela pourrait affaiblir la liquidit\u00e9 de ces derni\u00e8res et accro\u00eetre davantage les risques de solvabilit\u00e9, d\u2019autant que l\u2019accord avec le FMI conditionne encore l\u2019essentiel du plan de financement ext\u00e9rieur de la Tunisie \u00e0 l\u2019horizon 2024 \u00bb.<\/p>\n\n\n\n
\u00ab Le rendement annualis\u00e9 moyen des capitaux propres des dix plus grandes banques tunisiennes a enregistr\u00e9 une hausse de 13,6% au cours du premier semestre de 2023.<\/p>\n\n\n\n
Cette hausse s\u2019explique par l\u2019augmentation des revenus nets d\u2019int\u00e9r\u00eat qui ont augment\u00e9 de 16% en glissement annuel dans la mesure o\u00f9 les banques ont b\u00e9n\u00e9fici\u00e9 de marges positives dans un contexte de hausse des taux d\u2019int\u00e9r\u00eat \u00bb, a indiqu\u00e9 la m\u00eame source.<\/p>\n\n\n\n
L\u2019am\u00e9lioration de ces performances est \u00e9clips\u00e9e par la forte exposition des banques \u00ab aux obligations souveraines tr\u00e8s faibles \u00bb et \u00ab conditions d\u2019exploitation incertaines \u00bb, avertit Fitch Ratings, rappelant qu\u2019elle a d\u00e9class\u00e9 la note souveraine de la Tunisie \u00e0 \u00bb CCC- \u00bb en juin 2023.<\/p>\n\n\n\n
Et d\u2019ajouter que les cr\u00e9ances du secteur bancaire sur l\u2019Etat s\u2019\u00e9levaient \u00e0 20 milliards de dinars, \u00e0 fin mai 2023, soit 12% du PIB.<\/p>\n\n\n\n
Dans un sc\u00e9nario hypoth\u00e9tique de d\u00e9faut souverain, estime l\u2019agence, \u00ab la restructuration de la dette souveraine en monnaie locale pourrait affaiblir consid\u00e9rablement la capitalisation des banques \u00bb, soulignant \u00ab qu\u2019une d\u00e9cote de 50 % de la dette souveraine en monnaie locale d\u00e9tenue par les banques, aurait pour cons\u00e9quence le non respect par certaines banques de leurs exigences minimales en mati\u00e8re d\u2019ad\u00e9quation des fonds propres r\u00e9glementaires \u00bb.<\/p>\n\n\n\n
Pour l\u2019Agence de notation, cela entra\u00eenerait les autorit\u00e9s \u00ab \u00e0 prendre des mesures pour limiter les pertes nettes de valeur subies par les banques afin de pr\u00e9server la stabilit\u00e9 financi\u00e8re \u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"
D\u2019apr\u00e8s une analyse publi\u00e9e ce lundi 7 novembre 2023, par \u00ab Fitch Ratings \u00bb, les b\u00e9n\u00e9fices \u00e9lev\u00e9s des banques tunisiennes enregistr\u00e9s au premier semestre 2023 cachent des risques de liquidit\u00e9 et de solvabilit\u00e9.\u00bb Selon l\u2019agence de notation financi\u00e8re internationale, le retard pris dans la conclusion d\u2019un accord avec le Fonds Mon\u00e9taire International (FMI) a pouss\u00e9 […]<\/p>\n","protected":false},"author":4,"featured_media":38419,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_post_split":[],"footnotes":""},"categories":[43,3],"tags":[1475,8036,4646,1682],"class_list":["post-51458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-eco-business","category-finance","tag-banques","tag-dependance","tag-fitch-ratings","tag-gouvernement"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/51458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51458"}],"version-history":[{"count":1,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/51458\/revisions"}],"predecessor-version":[{"id":51459,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/51458\/revisions\/51459"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/38419"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}