{"id":132356,"date":"2025-01-28T15:32:12","date_gmt":"2025-01-28T14:32:12","guid":{"rendered":"https:\/\/lexpertjournal.net\/?p=132356"},"modified":"2025-01-28T15:32:12","modified_gmt":"2025-01-28T14:32:12","slug":"banques-tunisiennes-les-champions-et-les-challengers-de-2024","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=132356","title":{"rendered":"Banques tunisiennes : les champions et les challengers de 2024"},"content":{"rendered":"
Introduction :<\/strong> Dans une Tunisie en pleine transformation \u00e9conomique, le secteur bancaire reste un barom\u00e8tre pr\u00e9cis des dynamiques nationales. Les chiffres de 2024 sont tomb\u00e9s, r\u00e9v\u00e9lant un paysage contrast\u00e9 o\u00f9 les mastodontes confirment leur solidit\u00e9 tandis que des challengers audacieux bousculent l’ordre \u00e9tabli. Entre performances \u00e9clatantes et signaux d’alerte, l’\u00e9cosyst\u00e8me bancaire tunisien ne cesse d’\u00e9voluer.<\/h5>\n
<\/h5>\n
Le tableau des forces en 2024 : chiffres cl\u00e9s<\/strong><\/span><\/h5>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Banque<\/strong><\/td>\nProduits d’exploitation 2024 (MD)<\/strong><\/td>\nProduits d’exploitation 2023 (MD)<\/strong><\/td>\nVariation (%)<\/strong><\/td>\nPNB 2024 (MD)<\/strong><\/td>\nPNB 2023 (MD)<\/strong><\/td>\nVariation (%)<\/strong><\/td>\n<\/tr>\n
UIB<\/strong><\/td>\n925.7<\/td>\n869.5<\/td>\n+6.46%<\/td>\n450.2<\/td>\n420.3<\/td>\n+7.12%<\/td>\n<\/tr>\n
BH Bank<\/strong><\/td>\n1503.9<\/td>\n1390.6<\/td>\n+8.14%<\/td>\n765.9<\/td>\n710.5<\/td>\n+7.80%<\/td>\n<\/tr>\n
ATB<\/strong><\/td>\n813.5<\/td>\n763.3<\/td>\n+6.58%<\/td>\n391.3<\/td>\n357.3<\/td>\n+9.51%<\/td>\n<\/tr>\n
UBCI<\/strong><\/td>\n521.2<\/td>\n464.9<\/td>\n+12.08%<\/td>\n322.1<\/td>\n302.2<\/td>\n+6.60%<\/td>\n<\/tr>\n
Amen Bank<\/strong><\/td>\n1210.8<\/td>\n1145.9<\/td>\n+5.67%<\/td>\n567.3<\/td>\n540.0<\/td>\n+5.06%<\/td>\n<\/tr>\n
Wifak Bank<\/strong><\/td>\n164.5<\/td>\n137.5<\/td>\n+19.64%<\/td>\n93.0<\/td>\n74.6<\/td>\n+24.60%<\/td>\n<\/tr>\n
BIAT<\/strong><\/td>\n2327.0<\/td>\n2156.5<\/td>\n+7.91%<\/td>\n1480.5<\/td>\n1396.9<\/td>\n+6.00%<\/td>\n<\/tr>\n
BNA Bank<\/strong><\/td>\n2304.6<\/td>\n2157.6<\/td>\n+6.82%<\/td>\n990.8<\/td>\n979.9<\/td>\n+1.12%<\/td>\n<\/tr>\n
Attijari Bank<\/strong><\/td>\n1153.5<\/td>\n1059.9<\/td>\n+8.83%<\/td>\n708.5<\/td>\n645.5<\/td>\n+9.76%<\/td>\n<\/tr>\n
Banque de Tunisie<\/strong><\/td>\n883.3<\/td>\n814.8<\/td>\n+8.40%<\/td>\n510.3<\/td>\n477.9<\/td>\n+6.77%<\/td>\n<\/tr>\n
BTE<\/strong><\/td>\n161.8<\/td>\n151.1<\/td>\n+7.10%<\/td>\n68.1<\/td>\n65.0<\/td>\n+4.77%<\/td>\n<\/tr>\n
STB<\/strong><\/td>\n1419.5<\/td>\n1448.0<\/td>\n-1.97%<\/td>\n661.8<\/td>\n685.1<\/td>\n-3.40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Analyse : Les dynamiques d’un secteur en \u00e9bullition<\/strong><\/h5>\n
Les champions confirm\u00e9s : BIAT et BNA Bank<\/strong><\/span>
\nEn t\u00eate du classement, la BIAT (Banque Internationale Arabe de Tunisie) confirme son statut de leader avec des produits d’exploitation atteignant 2 327 MD (+7,91%) et un Produit Net Bancaire (PNB) de 1 480,5 MD (+6%). La BNA Bank suit de pr\u00e8s, illustrant sa robustesse malgr\u00e9 une croissance mod\u00e9r\u00e9e du PNB (\u00e0 peine +1,12%). Ces mastodontes capitalisent sur leur maillage territorial et leur diversification pour maintenir des performances stables.<\/h5>\n
Les challengers audacieux : Wifak Bank et UBCI<\/strong><\/span>
\nAvec une progression spectaculaire de ses produits d’exploitation (+19,64%) et de son PNB (+24,60%), Wifak Bank est la r\u00e9v\u00e9lation de l’ann\u00e9e. Sa strat\u00e9gie ax\u00e9e sur les produits de finance islamique et l’attraction de nouveaux d\u00e9p\u00f4ts semble porter ses fruits. L’UBCI, de son c\u00f4t\u00e9, affiche une progression remarquable de +12,08% de ses revenus bancaires, d\u00e9montrant une dynamique de croissance r\u00e9guli\u00e8re.<\/h5>\n
Les banques en d\u00e9fi : STB et BTE<\/strong><\/span>
\nLa STB (Soci\u00e9t\u00e9 Tunisienne de Banque) affiche une contre-performance inqui\u00e9tante avec un recul simultan\u00e9 de ses produits d’exploitation (-1,97%) et de son PNB (-3,40%). Cette tendance pourrait \u00eatre attribu\u00e9e \u00e0 une augmentation des cr\u00e9ances douteuses ou \u00e0 une comp\u00e9tition accrue sur son segment traditionnel. Quant \u00e0 la BTE, bien qu’elle connaisse une l\u00e9g\u00e8re progression (+7,10%), ses volumes restent faibles, limitant son impact global.<\/h5>\n
<\/h5>\n
Les banques tunisiennes s’engagent sur des trajectoires diversifi\u00e9es : consolidation pour les leaders, acc\u00e9l\u00e9ration pour les challengers, et restructuration pour les \u00e9tablissements en difficult\u00e9. L’avenir passera par trois axes cl\u00e9s : l’innovation digitale, la diversification des revenus hors int\u00e9r\u00eats, et une gestion proactive des risques.<\/h5>\n
Le secteur reste un pilier de l’\u00e9conomie nationale, mais sa r\u00e9silience d\u00e9pendra de sa capacit\u00e9 \u00e0 anticiper les mutations \u00e9conomiques et soci\u00e9tales.<\/h5>\n","protected":false},"excerpt":{"rendered":"

Introduction : Dans une Tunisie en pleine transformation \u00e9conomique, le secteur bancaire reste un barom\u00e8tre pr\u00e9cis des dynamiques nationales. Les chiffres de 2024 sont tomb\u00e9s, r\u00e9v\u00e9lant un paysage contrast\u00e9 o\u00f9 les mastodontes confirment leur solidit\u00e9 tandis que des challengers audacieux bousculent l’ordre \u00e9tabli. Entre performances \u00e9clatantes et signaux d’alerte, l’\u00e9cosyst\u00e8me bancaire tunisien ne cesse d’\u00e9voluer. […]<\/p>\n","protected":false},"author":1,"featured_media":132357,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-132356","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nBanques tunisiennes : les champions et les challengers de 2024 - 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=132356\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banques tunisiennes : les champions et les challengers de 2024\" \/>\n<meta property=\"og:description\" content=\"Introduction : Dans une Tunisie en pleine transformation \u00e9conomique, le secteur bancaire reste un barom\u00e8tre pr\u00e9cis des dynamiques nationales. 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