{"id":138669,"date":"2025-09-03T12:43:35","date_gmt":"2025-09-03T10:43:35","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=138669"},"modified":"2025-09-03T12:43:35","modified_gmt":"2025-09-03T10:43:35","slug":"biat-des-resultats-en-progression-mais-des-defis-a-surveiller","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=138669","title":{"rendered":"BIAT :des r\u00e9sultats en progression mais des d\u00e9fis \u00e0 surveiller"},"content":{"rendered":"<h4 dir=\"auto\">Septembre 2025.\u2028La Banque Internationale Arabe de Tunisie (BIAT) a publi\u00e9 ses \u00e9tats financiers interm\u00e9diaires arr\u00eat\u00e9s au 30 juin 2025. Avec un r\u00e9sultat net de 246 millions de dinars au premier semestre, en hausse de 12 % par rapport \u00e0 la m\u00eame p\u00e9riode de 2024, l\u2019institution confirme sa position de leader du secteur bancaire tunisien. Mais au-del\u00e0 de la solidit\u00e9 apparente, certains indicateurs appellent \u00e0 la prudence.<\/h4>\n<h4 dir=\"auto\"><\/h4>\n<h4 dir=\"auto\"><strong><span style=\"color: #800000;\">Une rentabilit\u00e9 sous pression<\/span><\/strong><\/h4>\n<h4 dir=\"auto\">Si le produit net bancaire s\u2019\u00e9l\u00e8ve \u00e0 788 MDT (+9,1 % en un an), cette croissance est largement absorb\u00e9e par la flamb\u00e9e des charges d\u2019exploitation bancaire, en hausse de 12,26 % sur la m\u00eame p\u00e9riode. Le co\u00fbt de la ressource, tir\u00e9 par la r\u00e9mun\u00e9ration des d\u00e9p\u00f4ts client\u00e8le, p\u00e8se lourdement : 405,9 MDT d\u2019int\u00e9r\u00eats vers\u00e9s au premier semestre, contre 359,2 MDT un an plus t\u00f4t.\u2028R\u00e9sultat : le b\u00e9n\u00e9fice par action recule l\u00e9g\u00e8rement, passant de 6,15 dinars en juin 2024 \u00e0 6,03 dinars en juin 2025, signe d\u2019une dilution de la rentabilit\u00e9 malgr\u00e9 l\u2019expansion du bilan.<\/h4>\n<h4 dir=\"auto\"><span style=\"color: #800000;\"><strong>Des cr\u00e9ances douteuses persistantes<\/strong><\/span><\/h4>\n<h4 dir=\"auto\">Le portefeuille de cr\u00e9dits reste fragilis\u00e9. Les cr\u00e9ances douteuses brutes atteignent 1,316 milliard de dinars, en progression par rapport \u00e0 juin 2024 (1,193 milliard). Pour les couvrir, la banque a d\u00fb mobiliser pr\u00e8s de 922 MDT en provisions et agios r\u00e9serv\u00e9s.\u2028Cette mont\u00e9e en puissance des actifs class\u00e9s traduit une exposition persistante aux risques de d\u00e9faut, en d\u00e9pit d\u2019un environnement r\u00e9glementaire plus strict et d\u2019une gestion active du risque.<\/h4>\n<h4 dir=\"auto\"><\/h4>\n<h4 dir=\"auto\"><span style=\"color: #800000;\"><strong>Provisions en hausse et vigilance accrue<\/strong><\/span><\/h4>\n<h4 dir=\"auto\">Les dotations nettes aux provisions se chiffrent \u00e0 47 MDT, presque le double de celles constat\u00e9es au premier semestre 2024. Cette prudence t\u00e9moigne de la volont\u00e9 de s\u00e9curiser le portefeuille, mais elle refl\u00e8te aussi la d\u00e9gradation de la qualit\u00e9 des actifs.\u2028En parall\u00e8le, la banque conserve une forte d\u00e9pendance \u00e0 ses emprunts subordonn\u00e9s, qui atteignent 808 MDT, un levier de financement qui am\u00e9liore les fonds propres r\u00e9glementaires mais accro\u00eet la vuln\u00e9rabilit\u00e9 en cas de tensions de liquidit\u00e9.<\/h4>\n<h4 dir=\"auto\"><\/h4>\n<h4 dir=\"auto\"><span style=\"color: #800000;\"><strong>Risques fiscaux et r\u00e9glementaires<\/strong><\/span><\/h4>\n<h4 dir=\"auto\">Deux dossiers assombrissent par ailleurs la visibilit\u00e9. D\u2019une part, la v\u00e9rification fiscale sur la p\u00e9riode 2020-2023, cl\u00f4tur\u00e9e en 2025, a eu un impact direct sur les comptes. D\u2019autre part, la proc\u00e9dure engag\u00e9e par le Conseil de la concurrence contre le secteur bancaire, li\u00e9e au report des \u00e9ch\u00e9ances durant la crise Covid-19, reste ouverte. Son issue demeure incertaine et pourrait repr\u00e9senter un risque juridique et financier.<\/h4>\n<h4 dir=\"auto\"><\/h4>\n<h4 dir=\"auto\"><span style=\"color: #800000;\"><strong>Derri\u00e8re la fa\u00e7ade de solidit\u00e9<\/strong><\/span><\/h4>\n<h4 dir=\"auto\">Avec un total bilan de 26 milliards de dinars en juin 2025 (+13,8 % en un an), la BIAT conserve une stature de g\u00e9ant bancaire. Mais son mod\u00e8le est soumis \u00e0 des tensions structurelles :<\/h4>\n<h4 dir=\"auto\">\u2022 une pression accrue sur les marges,<\/h4>\n<h4 dir=\"auto\">\u2022 des cr\u00e9ances douteuses lourdes et co\u00fbteuses \u00e0 provisionner,<\/h4>\n<h4 dir=\"auto\">\u2022 et une rentabilit\u00e9 actionnariale en l\u00e9ger repli.<\/h4>\n<h4 dir=\"auto\">La banque affiche des r\u00e9sultats solides en apparence, mais les fragilit\u00e9s latentes rappellent qu\u2019en finance, la croissance du bilan ne suffit pas \u00e0 masquer les risques de fond.<\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Septembre 2025.\u2028La Banque Internationale Arabe de Tunisie (BIAT) a publi\u00e9 ses \u00e9tats financiers interm\u00e9diaires arr\u00eat\u00e9s au 30 juin 2025. Avec un r\u00e9sultat net de 246 millions de dinars au premier semestre, en hausse de 12 % par rapport \u00e0 la m\u00eame p\u00e9riode de 2024, l\u2019institution confirme sa position de leader du secteur bancaire tunisien. Mais [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":138670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-138669","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>BIAT :des r\u00e9sultats en progression mais des d\u00e9fis \u00e0 surveiller - 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=138669\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BIAT :des r\u00e9sultats en progression mais des d\u00e9fis \u00e0 surveiller\" \/>\n<meta property=\"og:description\" content=\"Septembre 2025.\u2028La Banque Internationale Arabe de Tunisie (BIAT) a publi\u00e9 ses \u00e9tats financiers interm\u00e9diaires arr\u00eat\u00e9s au 30 juin 2025. Avec un r\u00e9sultat net de 246 millions de dinars au premier semestre, en hausse de 12 % par rapport \u00e0 la m\u00eame p\u00e9riode de 2024, l\u2019institution confirme sa position de leader du secteur bancaire tunisien. 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