{"id":53991,"date":"2024-04-22T12:20:23","date_gmt":"2024-04-22T11:20:23","guid":{"rendered":"https:\/\/www.africanchallenges.com\/?p=53991"},"modified":"2024-04-22T12:23:33","modified_gmt":"2024-04-22T11:23:33","slug":"en-2023-qnb-tunisia-redresse-la-barre-de-ses-indicateurs-de-performance","status":"publish","type":"post","link":"https:\/\/www.africanchallenges.com\/?p=53991","title":{"rendered":"En 2023, QNB Tunisia redresse la barre de ses indicateurs de performance"},"content":{"rendered":"\n\n\n<p class=\"wp-block-paragraph\">La mont\u00e9e en taille et en qualit\u00e9, se consolide \u00e0 QNB Tunisia: la filiale de la plus grande institution financi\u00e8re au Moyen Orient et en Afrique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au terme de l\u2019ann\u00e9e 2023, l\u2019encours des cr\u00e9dits de la banque monte \u00e0 1.316 millions de dinars enregistrant une progression brute de 98,5 millions de dinars hors l\u2019op\u00e9ration de write-off qui a port\u00e9 sur 75 millions de dinars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi ces encours, 438 millions de dinars ont \u00e9t\u00e9 accord\u00e9s \u00e0 des entit\u00e9s du secteur public. Il importe de signaler \u00e9galement que le Portefeuille d\u2019Investissement (Bons de Tr\u00e9sor) a atteint 477 millions de dinars en 2023 refl\u00e9tant ainsi l\u2019engagement de la banque et son soutien \u00e0 l\u2019\u00e9conomie tunisienne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En parall\u00e8le, les engagements class\u00e9s de la banque se sont contract\u00e9s de 84,8 millions de dinars pour se situer \u00e0 605,4 millions de dinars, ramenant le taux des cr\u00e9ances accroch\u00e9es \u00e0 35,8% contre 46.3% en 2022 et un pic de 55.2% en 2021 et ce conform\u00e9ment \u00e0 la feuille de route pr\u00e9sent\u00e9e et approuv\u00e9e par la BCT.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2023, la banque a confirm\u00e9 son engagement de financement du secteur industriel tunisien avec un encours repr\u00e9sentant 43% du total des cr\u00e9dits de la banque \u00e0 fin 2023.\u00a0 QNB Tunisia est pr\u00e9sente \u00e9galement sur les diff\u00e9rents segments de l\u2019\u00e9conomie \u00e0 l\u2019image du commerce et des services dont l\u2019encours repr\u00e9sente respectivement 28% et 11% des engagements de la banque.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"562\" height=\"503\" src=\"https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image.png\" alt=\"\" class=\"wp-image-53995\" srcset=\"https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image.png 562w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-300x269.png 300w\" sizes=\"(max-width: 562px) 100vw, 562px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4t\u00e9 ressources, la collecte des d\u00e9p\u00f4ts a enregistr\u00e9 une progression de 12,3% totalisant \u00e0 fin 2023, un encours de 1.351 millions de dinars dop\u00e9 par la consolidation des comptes d\u2019\u00e9pargne et des d\u00e9p\u00f4ts \u00e0 \u00e9ch\u00e9ance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au terme de l\u2019exercice 2023, QNB Tunisia redresse la barre de ses indicateurs de performance gr\u00e2ce au plan de restructuration men\u00e9 depuis 2021.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, le PNB a enregistr\u00e9 une ascension de 49,1%, soit un accroissement de 18,4 millions de dinars pour se situer \u00e0 55,9 millions de dinars. Cette remont\u00e9e est attribu\u00e9e \u00e0 l\u2019am\u00e9lioration de la marge d\u2019int\u00e9r\u00eat de 15,2 millions de dinars et des revenus du portefeuille d\u2019investissement de 7.5 millions de dinars.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"913\" height=\"520\" src=\"https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-1.png\" alt=\"\" class=\"wp-image-53997\" srcset=\"https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-1.png 913w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-1-300x171.png 300w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-1-768x437.png 768w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-1-750x427.png 750w\" sizes=\"(max-width: 913px) 100vw, 913px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le co\u00fbt du risque de la banque a diminu\u00e9 de 53,8%. En effet, les dotations aux provisions sur cr\u00e9ances, hors bilan et provisions pour passifs, sont pass\u00e9es de 114,4 millions de dinars (un record) en 2022 \u00e0 52,9 millions de dinars en 2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque am\u00e9liore au passage le taux de couverture des cr\u00e9ances class\u00e9es de 5,9 points de pourcentage passant de 52,8% en 2022 \u00e0 58,7%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019am\u00e9lioration au top line du compte de r\u00e9sultat s\u2019est conjugu\u00e9e \u00e0 une maitrise des charges op\u00e9ratoires, dont la hausse a \u00e9t\u00e9 limit\u00e9e \u00e0 +9,5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ceci dit, QNB Tunisia att\u00e9nue significativement le d\u00e9ficit du r\u00e9sultat net \u00e0 -69 millions de dinars en 2023 (-49,1 millions de dinars sur une base consolid\u00e9e), contre un d\u00e9ficit de 142,6 millions de dinars en 2022.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019apr\u00e8s le Business Plan, la banque devrait atteindre son break-even en 2025 et renouer ainsi avec les r\u00e9sultats positifs .<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, les fonds propres remontent \u00e0 327.1 millions de dinars, dop\u00e9s par une succession d\u2019augmentations du capital social gr\u00e2ce au soutien de la soci\u00e9t\u00e9 m\u00e8re.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"896\" height=\"521\" src=\"https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-2.png\" alt=\"\" class=\"wp-image-53998\" srcset=\"https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-2.png 896w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-2-300x174.png 300w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-2-768x447.png 768w, https:\/\/www.africanchallenges.com\/wp-content\/uploads\/2024\/04\/image-2-750x436.png 750w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi QNB Tunisia a maintenu les indicateurs r\u00e9glementaires notamment le ratio de solvabilit\u00e9 CAR (34,6%) et le ratio de liquidit\u00e9 LCR (403,4%) largement au-dessus des exigences minimales de la Banque Centrale de Tunisie confirmant ainsi la solidit\u00e9 et la solvabilit\u00e9 de la banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">QNB Tunisia est pr\u00e9sente dans 11 gouvernorats \u00e0 travers 29 agences, dont deux agences QNB FIRST \u00e0 Tunis et \u00e0 Sousse, 3 centre d\u2019affaires CORPORATE pour les Entreprises \u00e0 Tunis et \u00e0 Sousse et 2 bureaux de change aux a\u00e9roports de Tunis Carthage et Djerba.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La mont\u00e9e en taille et en qualit\u00e9, se consolide \u00e0 QNB Tunisia: la filiale de la plus grande institution financi\u00e8re au Moyen Orient et en Afrique. Au terme de l\u2019ann\u00e9e 2023, l\u2019encours des cr\u00e9dits de la banque monte \u00e0 1.316 millions de dinars enregistrant une progression brute de 98,5 millions de dinars hors l\u2019op\u00e9ration de [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":53994,"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":[14,43],"tags":[1578,792,2534],"class_list":["post-53991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business","tag-indicateurs","tag-performance","tag-qnb-tunisia"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/53991","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=53991"}],"version-history":[{"count":3,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/53991\/revisions"}],"predecessor-version":[{"id":54000,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/53991\/revisions\/54000"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/53994"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=53991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=53991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=53991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}