{"id":61570,"date":"2025-01-14T16:10:38","date_gmt":"2025-01-14T15:10:38","guid":{"rendered":"https:\/\/www.africanchallenges.com\/?p=61570"},"modified":"2025-01-15T13:57:05","modified_gmt":"2025-01-15T12:57:05","slug":"fitch-ratings-affirme-la-solidite-financiere-de-lubci-dans-sa-derniere-note","status":"publish","type":"post","link":"https:\/\/www.africanchallenges.com\/?p=61570","title":{"rendered":"Fitch Ratings affirme la solidit\u00e9 financi\u00e8re de l&rsquo;UBCI dans sa derni\u00e8re note"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019agence Fitch Ratings a annonc\u00e9 qu\u2019elle a attribu\u00e9 \u00e0 l\u2019Union Bancaire pour le Commerce et l\u2019Industrie (UBCI) une notation Long-Term Local-and-Foreign Currency Issuer Default Ratings (IDR) de&nbsp;<strong>&lsquo;CCC+&rsquo;<\/strong>, ainsi qu\u2019une Viability Rating de&nbsp;<strong>&lsquo;ccc+&rsquo;<\/strong>. Fitch a \u00e9galement attribu\u00e9 \u00e0 l\u2019UBCI des notations nationales de&nbsp;<strong>&lsquo;AA-(tun)&rsquo;<\/strong>&nbsp;pour le long terme et&nbsp;<strong>&lsquo;F1+(tun)&rsquo;<\/strong>&nbsp;pour le court terme, avec une perspective stable pour la notation nationale \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Points cl\u00e9s de la notation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les notations attribu\u00e9es \u00e0 l\u2019UBCI refl\u00e8tent la solidit\u00e9 de sa position financi\u00e8re et sa capacit\u00e9 \u00e0 s\u2019adapter dans un contexte \u00e9conomique et politique national exigeant. Bien que l\u2019environnement op\u00e9rationnel reste complexe, l\u2019UBCI maintient des indicateurs de qualit\u00e9 d\u2019actifs raisonnables, une rentabilit\u00e9 modeste mais stable, ainsi qu\u2019un profil de financement solide.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Qualit\u00e9 des actifs<\/strong>\u00a0: Avec un ratio de pr\u00eats non performants de 6,4 % \u00e0 fin 2023, bien en dessous de la moyenne sectorielle de 13,6 %, l\u2019UBCI se positionne favorablement parmi ses pairs.<\/li>\n\n\n\n<li><strong>Rentabilit\u00e9 et capitalisation<\/strong>\u00a0: La banque reste profitable avec des niveaux de capitalisation conformes aux exigences r\u00e9glementaires, malgr\u00e9 des pressions sur la rentabilit\u00e9 dues \u00e0 l\u2019environnement \u00e9conomique.<\/li>\n\n\n\n<li><strong>Solvabilit\u00e9 et liquidit\u00e9<\/strong>\u00a0: Un ratio pr\u00eat\/d\u00e9p\u00f4t de 91 % et une couverture de liquidit\u00e9 (LCR) de 219 % d\u00e9montrent une base de financement solide et une gestion prudente des liquidit\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les analystes de l\u2019agence de notation ont \u00e9galement mis en valeur les pratiques rigoureuses de l\u2019UBCI en mati\u00e8re de gestion des risques et de focus strat\u00e9gique sur des segments moins risqu\u00e9s, tels que les clients particuliers et les entreprises de haute qualit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Perspectives pour l\u2019avenir<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019UBCI reste engag\u00e9e \u00e0 renforcer son positionnement sur le march\u00e9 tunisien en capitalisant sur ses atouts et en poursuivant ses efforts pour s\u2019adapter \u00e0 l\u2019\u00e9volution du paysage \u00e9conomique et financier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019agence Fitch Ratings a annonc\u00e9 qu\u2019elle a attribu\u00e9 \u00e0 l\u2019Union Bancaire pour le Commerce et l\u2019Industrie (UBCI) une notation Long-Term Local-and-Foreign Currency Issuer Default Ratings (IDR) de&nbsp;&lsquo;CCC+&rsquo;, ainsi qu\u2019une Viability Rating de&nbsp;&lsquo;ccc+&rsquo;. Fitch a \u00e9galement attribu\u00e9 \u00e0 l\u2019UBCI des notations nationales de&nbsp;&lsquo;AA-(tun)&rsquo;&nbsp;pour le long terme et&nbsp;&lsquo;F1+(tun)&rsquo;&nbsp;pour le court terme, avec une perspective stable pour la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":61606,"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":[4646,9162,14332,2839],"class_list":["post-61570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business","tag-fitch-ratings","tag-note","tag-solidite-financiere","tag-ubci"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/61570","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=61570"}],"version-history":[{"count":1,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/61570\/revisions"}],"predecessor-version":[{"id":61575,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/61570\/revisions\/61575"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/61606"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=61570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=61570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=61570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}