{"id":123199,"date":"2024-05-21T08:59:25","date_gmt":"2024-05-21T07:59:25","guid":{"rendered":"https:\/\/lexpertjournal.net\/?p=123199"},"modified":"2024-05-21T08:59:25","modified_gmt":"2024-05-21T07:59:25","slug":"arab-tunisian-bank-reculer-pour-mieux-sauter","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=123199","title":{"rendered":"Arab Tunisian Bank : Reculer pour Mieux Sauter"},"content":{"rendered":"<h5 style=\"text-align: left;\">L&rsquo;Arab Tunisian Bank (ATB) a r\u00e9cemment publi\u00e9 ses \u00e9tats financiers pour l&rsquo;ann\u00e9e se terminant le 31 d\u00e9cembre 2023,. Ces r\u00e9sultats mettent en \u00e9vidence un net d\u00e9ficit de 9,4 millions de dinars, contrastant avec un b\u00e9n\u00e9fice de 11,4 millions de dinars en 2022.<\/h5>\n<h5><\/h5>\n<h5 style=\"text-align: left;\"><strong><span style=\"color: #008000;\"> Une Ann\u00e9e Marqu\u00e9e par une Augmentation des Provisions<\/span> <\/strong><\/h5>\n<h5 style=\"text-align: left;\">La contreperformance financi\u00e8re de 2023 s&rsquo;explique principalement par une augmentation significative des dotations aux provisions, qui sont pass\u00e9es de 69,8 millions de dinars \u00e0 124,1 millions de dinars, soit une hausse de 77,7%. Cependant, l&rsquo;ATB a enregistr\u00e9 une progression de 11,7% de son Produit Net Bancaire (PNB), atteignant 357,3 millions de dinars contre 319,7 millions de dinars l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente. Cette augmentation r\u00e9sulte de la hausse de 15% des produits d&rsquo;exploitation, qui ont atteint 763,3 millions de dinars, et de la progression de 18% des revenus \u00e0 406 millions de dinars. Les charges de personnel se sont \u00e9tablies \u00e0 132 millions de dinars, tandis que les charges g\u00e9n\u00e9rales d&rsquo;exploitation ont atteint 80 millions de dinars. En cons\u00e9quence, le r\u00e9sultat d&rsquo;exploitation affiche un d\u00e9ficit de 6,2 millions de dinars, compar\u00e9 \u00e0 un b\u00e9n\u00e9fice d&rsquo;exploitation de 22,3 millions de dinars en 2022.<\/h5>\n<p>&nbsp;<\/p>\n<h5 style=\"text-align: left;\"><strong><span style=\"color: #008000;\"> Une Relance en Vue pour 2024<\/span> <\/strong><\/h5>\n<h5 style=\"text-align: left;\">Malgr\u00e9 les r\u00e9sultats n\u00e9gatifs de 2023, les indicateurs du premier trimestre 2024 signalent une reprise prometteuse. Le Produit Net Bancaire a augment\u00e9 de 9,94%, atteignant 90,7 millions de dinars contre 82,5 millions de dinars durant la m\u00eame p\u00e9riode en 2023. Les produits d&rsquo;exploitation bancaire ont aussi progress\u00e9 de 6,96%, s&rsquo;\u00e9tablissant \u00e0 192,2 millions de dinars \u00e0 fin mars 2024. Les charges d&rsquo;exploitation bancaire ont affich\u00e9 une l\u00e9g\u00e8re augmentation de 4,42%, atteignant 101,5 millions de dinars \u00e0 fin mars 2024 contre 97,2 millions de dinars un an plus t\u00f4t. Les charges op\u00e9ratoires ont \u00e9galement augment\u00e9 l\u00e9g\u00e8rement pour atteindre 56,7 millions de dinars. Concernant les cr\u00e9dits nets de provisions et d&rsquo;agios r\u00e9serv\u00e9s, ceux-ci ont augment\u00e9 pour s&rsquo;\u00e9lever \u00e0 5.344,1 millions de dinars \u00e0 fin mars 2024, contre 5.165,4 millions de dinars au 31 mars 2023.<\/h5>\n<h5><\/h5>\n<h5 style=\"text-align: left;\"><strong><span style=\"color: #008000;\"> Perspectives d&rsquo;Avenir L&rsquo;Arab Tunisian Bank,<\/span> <\/strong><\/h5>\n<h5 style=\"text-align: left;\">malgr\u00e9 un recul significatif en 2023, montre des signes encourageants de reprise en 2024. La hausse du Produit Net Bancaire et des produits d&rsquo;exploitation bancaire indique une dynamique positive. L&rsquo;augmentation des charges d&rsquo;exploitation, bien que mod\u00e9r\u00e9e, reste un point de vigilance pour les mois \u00e0 venir. En conclusion, l&rsquo;ATB semble pr\u00eate \u00e0 rebondir apr\u00e8s une ann\u00e9e difficile, avec des strat\u00e9gies qui pourraient transformer les d\u00e9fis actuels en opportunit\u00e9s de croissance durable.<\/h5>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;Arab Tunisian Bank (ATB) a r\u00e9cemment publi\u00e9 ses \u00e9tats financiers pour l&rsquo;ann\u00e9e se terminant le 31 d\u00e9cembre 2023,. Ces r\u00e9sultats mettent en \u00e9vidence un net d\u00e9ficit de 9,4 millions de dinars, contrastant avec un b\u00e9n\u00e9fice de 11,4 millions de dinars en 2022. Une Ann\u00e9e Marqu\u00e9e par une Augmentation des Provisions La contreperformance financi\u00e8re de 2023 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":123200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-123199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Arab Tunisian Bank : Reculer pour Mieux Sauter - L&#039;expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=123199\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Arab Tunisian Bank : Reculer pour Mieux Sauter\" \/>\n<meta property=\"og:description\" content=\"L&rsquo;Arab Tunisian Bank (ATB) a r\u00e9cemment publi\u00e9 ses \u00e9tats financiers pour l&rsquo;ann\u00e9e se terminant le 31 d\u00e9cembre 2023,. Ces r\u00e9sultats mettent en \u00e9vidence un net d\u00e9ficit de 9,4 millions de dinars, contrastant avec un b\u00e9n\u00e9fice de 11,4 millions de dinars en 2022. Une Ann\u00e9e Marqu\u00e9e par une Augmentation des Provisions La contreperformance financi\u00e8re de 2023 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lexpertjournal.net\/fr\/?p=123199\" \/>\n<meta property=\"og:site_name\" content=\"L&#039;expert Journal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Samya.Ayari.tn\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-21T07:59:25+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#article\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/9255c2530cbf41c7e1d04dd76bf78549\"},\"headline\":\"Arab Tunisian Bank : Reculer pour Mieux Sauter\",\"datePublished\":\"2024-05-21T07:59:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199\"},\"wordCount\":403,\"publisher\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199\",\"name\":\"Arab Tunisian Bank : Reculer pour Mieux Sauter - L&#039;expert Journal\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2024-05-21T07:59:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/lexpertjournal.net\/fr\/?p=123199\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=123199#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/lexpertjournal.net\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Arab Tunisian Bank : Reculer pour Mieux Sauter\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#website\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/\",\"name\":\"L'expert Journal\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/lexpertjournal.net\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\",\"name\":\"L'expert Journal\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2025\/04\/Capture_d_ecran_2025-04-13_a_17.47.13-removebg-preview-1.png\",\"contentUrl\":\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2025\/04\/Capture_d_ecran_2025-04-13_a_17.47.13-removebg-preview-1.png\",\"width\":644,\"height\":154,\"caption\":\"L'expert Journal\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Samya.Ayari.tn\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/9255c2530cbf41c7e1d04dd76bf78549\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f5ba5b6f384316af460736fc1ad6e7dc656c1200a4e1432ebf9ef107fa52f7f9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f5ba5b6f384316af460736fc1ad6e7dc656c1200a4e1432ebf9ef107fa52f7f9?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/lexperj.cluster100.hosting.ovh.net\/fr\"],\"url\":\"https:\/\/lexpertjournal.net\/fr\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Arab Tunisian Bank : Reculer pour Mieux Sauter - L&#039;expert Journal","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:\/\/lexpertjournal.net\/fr\/?p=123199","og_locale":"fr_FR","og_type":"article","og_title":"Arab Tunisian Bank : Reculer pour Mieux Sauter","og_description":"L&rsquo;Arab Tunisian Bank (ATB) a r\u00e9cemment publi\u00e9 ses \u00e9tats financiers pour l&rsquo;ann\u00e9e se terminant le 31 d\u00e9cembre 2023,. Ces r\u00e9sultats mettent en \u00e9vidence un net d\u00e9ficit de 9,4 millions de dinars, contrastant avec un b\u00e9n\u00e9fice de 11,4 millions de dinars en 2022. Une Ann\u00e9e Marqu\u00e9e par une Augmentation des Provisions La contreperformance financi\u00e8re de 2023 [&hellip;]","og_url":"https:\/\/lexpertjournal.net\/fr\/?p=123199","og_site_name":"L&#039;expert Journal","article_publisher":"https:\/\/www.facebook.com\/Samya.Ayari.tn","article_published_time":"2024-05-21T07:59:25+00:00","author":"admin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"admin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#article","isPartOf":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199"},"author":{"name":"admin","@id":"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/9255c2530cbf41c7e1d04dd76bf78549"},"headline":"Arab Tunisian Bank : Reculer pour Mieux Sauter","datePublished":"2024-05-21T07:59:25+00:00","mainEntityOfPage":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199"},"wordCount":403,"publisher":{"@id":"https:\/\/lexpertjournal.net\/fr\/#organization"},"image":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage"},"thumbnailUrl":"","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199","url":"https:\/\/lexpertjournal.net\/fr\/?p=123199","name":"Arab Tunisian Bank : Reculer pour Mieux Sauter - L&#039;expert Journal","isPartOf":{"@id":"https:\/\/lexpertjournal.net\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage"},"image":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage"},"thumbnailUrl":"","datePublished":"2024-05-21T07:59:25+00:00","breadcrumb":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lexpertjournal.net\/fr\/?p=123199"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/lexpertjournal.net\/fr\/?p=123199#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/lexpertjournal.net\/fr\/"},{"@type":"ListItem","position":2,"name":"Arab Tunisian Bank : Reculer pour Mieux Sauter"}]},{"@type":"WebSite","@id":"https:\/\/lexpertjournal.net\/fr\/#website","url":"https:\/\/lexpertjournal.net\/fr\/","name":"L'expert Journal","description":"","publisher":{"@id":"https:\/\/lexpertjournal.net\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lexpertjournal.net\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/lexpertjournal.net\/fr\/#organization","name":"L'expert Journal","url":"https:\/\/lexpertjournal.net\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/lexpertjournal.net\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2025\/04\/Capture_d_ecran_2025-04-13_a_17.47.13-removebg-preview-1.png","contentUrl":"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2025\/04\/Capture_d_ecran_2025-04-13_a_17.47.13-removebg-preview-1.png","width":644,"height":154,"caption":"L'expert Journal"},"image":{"@id":"https:\/\/lexpertjournal.net\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Samya.Ayari.tn"]},{"@type":"Person","@id":"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/9255c2530cbf41c7e1d04dd76bf78549","name":"admin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f5ba5b6f384316af460736fc1ad6e7dc656c1200a4e1432ebf9ef107fa52f7f9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f5ba5b6f384316af460736fc1ad6e7dc656c1200a4e1432ebf9ef107fa52f7f9?s=96&d=mm&r=g","caption":"admin"},"sameAs":["http:\/\/lexperj.cluster100.hosting.ovh.net\/fr"],"url":"https:\/\/lexpertjournal.net\/fr\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=\/wp\/v2\/posts\/123199","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=123199"}],"version-history":[{"count":0,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=\/wp\/v2\/posts\/123199\/revisions"}],"wp:attachment":[{"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=123199"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=123199"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=123199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}