{"id":128472,"date":"2024-10-24T08:28:38","date_gmt":"2024-10-24T07:28:38","guid":{"rendered":"https:\/\/lexpertjournal.net\/?p=128472"},"modified":"2024-10-24T08:28:38","modified_gmt":"2024-10-24T07:28:38","slug":"atb-semble-avoir-maintenu-une-trajectoire-de-croissance-prudente","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=128472","title":{"rendered":"ATB semble avoir maintenu une trajectoire de croissance prudente"},"content":{"rendered":"
Les indicateurs trimestriels de l’Arab Tunisian Bank (ATB) pour le troisi\u00e8me trimestre 2024 r\u00e9v\u00e8lent une performance globalement positive avec une progression dans plusieurs domaines cl\u00e9s :<\/h6>\n
Produits d’exploitation bancaire : En hausse de 5,06 %, passant de 556,9 MD en septembre 2023 \u00e0 585,1 MD en septembre 2024. Cette augmentation montre une bonne performance dans la g\u00e9n\u00e9ration de revenus, principalement<\/h6>\n
gr\u00e2ce \u00e0 l’augmentation des *int\u00e9r\u00eats* et des commissions.<\/h6>\n

 <\/p>\n

2. Charges d’exploitation bancaire : Les charges ont augment\u00e9 de 2,99 %, ce qui est inf\u00e9rieur \u00e0 l’augmentation des produits d’exploitation. Cela d\u00e9montre une certaine ma\u00eetrise des co\u00fbts, bien que les int\u00e9r\u00eats encourus continuent de cro\u00eetre de mani\u00e8re significative (+7,51 MD).<\/h6>\n

 <\/p>\n

3. Produit Net Bancaire (PNB) : Le PNB a connu une augmentation notable de 7,45 %, ce qui montre une am\u00e9lioration de la rentabilit\u00e9 op\u00e9rationnelle.<\/h6>\n

 <\/p>\n

4. D\u00e9p\u00f4ts et cr\u00e9dits :
\n– Les d\u00e9p\u00f4ts de la client\u00e8le ont augment\u00e9 de 3,2 %, atteignant 6.272,8 MD, notamment une forte hausse des d\u00e9p\u00f4ts d\u2019\u00e9pargne (+8,21 %).
\n– Les cr\u00e9dits nets accord\u00e9s \u00e0 la client\u00e8le ont \u00e9galement progress\u00e9, bien que de mani\u00e8re plus modeste (+1,48 %), ce qui refl\u00e8te une dynamique de financement l\u00e9g\u00e8rement plus conservatrice.<\/h6>\n

 <\/p>\n

5. Charges op\u00e9ratoires : Les frais de personnel ont enregistr\u00e9 une augmentation de 6,85 %, ce qui pourrait \u00eatre li\u00e9 \u00e0 des ajustements salariaux ou \u00e0 une hausse des effectifs. Cependant, les charges g\u00e9n\u00e9rales d’exploitation sont rest\u00e9es stables, avec une l\u00e9g\u00e8re augmentation de 0,81 %, ce qui contribue \u00e0 la ma\u00eetrise globale des co\u00fbts.<\/h6>\n

 <\/p>\n

6. Portefeuille-titres : Une baisse de la valeur du portefeuille d\u2019investissement (-244,8 MD), ce qui pourrait indiquer des cessions ou des r\u00e9\u00e9valuations n\u00e9gatives dans ce segment.<\/h6>\n

 <\/p>\n

En conclusion, ATB semble avoir maintenu une trajectoire de croissance prudente, avec une am\u00e9lioration de sa rentabilit\u00e9 (PNB), une bonne ma\u00eetrise des co\u00fbts, et une augmentation de l\u2019activit\u00e9 de d\u00e9p\u00f4t et de cr\u00e9dit. Cependant, la banque pourrait surveiller les \u00e9volutions de son portefeuille d’investissement et les co\u00fbts d’int\u00e9r\u00eat pour continuer \u00e0 renforcer ses performances dans les trimestres \u00e0 venir.<\/h6>\n","protected":false},"excerpt":{"rendered":"

Les indicateurs trimestriels de l’Arab Tunisian Bank (ATB) pour le troisi\u00e8me trimestre 2024 r\u00e9v\u00e8lent une performance globalement positive avec une progression dans plusieurs domaines cl\u00e9s : Produits d’exploitation bancaire : En hausse de 5,06 %, passant de 556,9 MD en septembre 2023 \u00e0 585,1 MD en septembre 2024. Cette augmentation montre une bonne performance dans […]<\/p>\n","protected":false},"author":1,"featured_media":128473,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-128472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nATB semble avoir maintenu une trajectoire de croissance prudente - L'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=128472\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ATB semble avoir maintenu une trajectoire de croissance prudente\" \/>\n<meta property=\"og:description\" content=\"Les indicateurs trimestriels de l’Arab Tunisian Bank (ATB) pour le troisi\u00e8me trimestre 2024 r\u00e9v\u00e8lent une performance globalement positive avec une progression dans plusieurs domaines cl\u00e9s : Produits d’exploitation bancaire : En hausse de 5,06 %, passant de 556,9 MD en septembre 2023 \u00e0 585,1 MD en septembre 2024. Cette augmentation montre une bonne performance dans […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lexpertjournal.net\/fr\/?p=128472\" \/>\n<meta property=\"og:site_name\" content=\"L'expert Journal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Samya.Ayari.tn\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-24T07:28:38+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=128472#article\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/9255c2530cbf41c7e1d04dd76bf78549\"},\"headline\":\"ATB semble avoir maintenu une trajectoire de croissance prudente\",\"datePublished\":\"2024-10-24T07:28:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472\"},\"wordCount\":357,\"publisher\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"Actualit\u00e9s\",\"Economie\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472\",\"name\":\"ATB semble avoir maintenu une trajectoire de croissance prudente - L'expert Journal\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2024-10-24T07:28:38+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/lexpertjournal.net\/fr\/?p=128472\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=128472#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/lexpertjournal.net\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ATB semble avoir maintenu une trajectoire de croissance prudente\"}]},{\"@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":"ATB semble avoir maintenu une trajectoire de croissance prudente - L'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=128472","og_locale":"fr_FR","og_type":"article","og_title":"ATB semble avoir maintenu une trajectoire de croissance prudente","og_description":"Les indicateurs trimestriels de l’Arab Tunisian Bank (ATB) pour le troisi\u00e8me trimestre 2024 r\u00e9v\u00e8lent une performance globalement positive avec une progression dans plusieurs domaines cl\u00e9s : Produits d’exploitation bancaire : En hausse de 5,06 %, passant de 556,9 MD en septembre 2023 \u00e0 585,1 MD en septembre 2024. Cette augmentation montre une bonne performance dans […]","og_url":"https:\/\/lexpertjournal.net\/fr\/?p=128472","og_site_name":"L'expert Journal","article_publisher":"https:\/\/www.facebook.com\/Samya.Ayari.tn","article_published_time":"2024-10-24T07:28:38+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=128472#article","isPartOf":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472"},"author":{"name":"admin","@id":"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/9255c2530cbf41c7e1d04dd76bf78549"},"headline":"ATB semble avoir maintenu une trajectoire de croissance prudente","datePublished":"2024-10-24T07:28:38+00:00","mainEntityOfPage":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472"},"wordCount":357,"publisher":{"@id":"https:\/\/lexpertjournal.net\/fr\/#organization"},"image":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage"},"thumbnailUrl":"","articleSection":["Actualit\u00e9s","Economie"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472","url":"https:\/\/lexpertjournal.net\/fr\/?p=128472","name":"ATB semble avoir maintenu une trajectoire de croissance prudente - L'expert Journal","isPartOf":{"@id":"https:\/\/lexpertjournal.net\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage"},"image":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage"},"thumbnailUrl":"","datePublished":"2024-10-24T07:28:38+00:00","breadcrumb":{"@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lexpertjournal.net\/fr\/?p=128472"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/lexpertjournal.net\/fr\/?p=128472#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/lexpertjournal.net\/fr\/"},{"@type":"ListItem","position":2,"name":"ATB semble avoir maintenu une trajectoire de croissance prudente"}]},{"@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\/128472","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=128472"}],"version-history":[{"count":0,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=\/wp\/v2\/posts\/128472\/revisions"}],"wp:attachment":[{"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=128472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=128472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lexpertjournal.net\/fr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=128472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}