{"id":139557,"date":"2026-01-21T10:55:08","date_gmt":"2026-01-21T09:55:08","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139557"},"modified":"2026-01-21T10:55:08","modified_gmt":"2026-01-21T09:55:08","slug":"banques-cotees-ce-que-revelent-les-premiers-indicateurs-publies-avant-le-20-janvier-2025","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139557","title":{"rendered":"Banques cot\u00e9es : ce que r\u00e9v\u00e8lent les premiers indicateurs publi\u00e9s avant le 20 janvier 2025&#8230;"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Alors que la saison des publications financi\u00e8res d\u00e9marre \u00e0 la Bourse de Tunis, plusieurs banques cot\u00e9es ont pris de l\u2019avance en d\u00e9voilant leurs indicateurs d\u2019activit\u00e9 arr\u00eat\u00e9s au 31 d\u00e9cembre 2025. Ces premi\u00e8res d\u00e9clarations offrent une lecture pr\u00e9cieuse de l\u2019\u00e9tat du syst\u00e8me bancaire tunisien \u00e0 la cl\u00f4ture de l\u2019exercice, entre r\u00e9silience commerciale, pressions sur les marges et mont\u00e9e en puissance des revenus financiers.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Une dynamique globale positive, mais contrast\u00e9e<\/strong><\/p>\n<p>Les indicateurs publi\u00e9s avant le 20 janvier 2025 dessinent un secteur bancaire <strong>globalement solide<\/strong>, port\u00e9 par une <strong>progression soutenue des d\u00e9p\u00f4ts<\/strong>, une <strong>activit\u00e9 cr\u00e9dit encore orient\u00e9e \u00e0 la hausse<\/strong> et un <strong>recours accru aux portefeuilles titres<\/strong> comme relais de croissance.<\/p>\n<p>Toutefois, derri\u00e8re cette tendance d\u2019ensemble, les trajectoires diff\u00e8rent sensiblement selon les \u00e9tablissements, r\u00e9v\u00e9lant des <strong>choix strat\u00e9giques distincts<\/strong> et des <strong>niveaux de pression variables sur la rentabilit\u00e9<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>BNA Bank confirme son statut de locomotive<\/strong><\/p>\n<p>Parmi les banques ayant publi\u00e9 en premier, <strong>BNA Bank<\/strong> se distingue nettement. Avec un <strong>Produit Net Bancaire en hausse de plus de 11%<\/strong>, une <strong>progression solide des cr\u00e9dits (+7,4%)<\/strong> et des <strong>d\u00e9p\u00f4ts en croissance proche de 10%<\/strong>, la banque publique confirme sa capacit\u00e9 \u00e0 conjuguer <strong>volume, diversification des revenus et renforcement de ses fonds propres<\/strong>.<\/p>\n<p>La forte augmentation du <strong>portefeuille d\u2019investissement<\/strong>, tir\u00e9e notamment par les titres d\u2019\u00c9tat, traduit une <strong>gestion active du bilan<\/strong>, qui a permis d\u2019amortir la relative stagnation des revenus d\u2019int\u00e9r\u00eats dans un contexte de tension sur le co\u00fbt des ressources<\/p>\n<p>bna-indicateurs-dactivite-trime\u2026<\/p>\n<p>.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Amen Bank : croissance ma\u00eetris\u00e9e et mont\u00e9e en gamme<\/strong><\/p>\n<p><strong>Amen Bank<\/strong> affiche pour sa part une <strong>croissance plus mod\u00e9r\u00e9e mais \u00e9quilibr\u00e9e<\/strong>. Le PNB progresse de plus de 4%, soutenu par les <strong>commissions<\/strong> et les <strong>revenus du portefeuille titres<\/strong>, tandis que les <strong>d\u00e9p\u00f4ts clients bondissent de pr\u00e8s de 9%<\/strong>.<\/p>\n<p>L\u2019\u00e9tablissement confirme ainsi son positionnement de <strong>banque universelle prudente<\/strong>, privil\u00e9giant la qualit\u00e9 de la collecte et la diversification des sources de revenus, m\u00eame si le <strong>coefficient d\u2019exploitation se d\u00e9grade l\u00e9g\u00e8rement<\/strong>, signalant une vigilance accrue \u00e0 maintenir sur les charges<\/p>\n<p>amen-bank-indicateurs-dactivite\u2026<\/p>\n<p>.<\/p>\n<p><strong>BH Bank : collecte dynamique, rentabilit\u00e9 sous tension<\/strong><\/p>\n<p>\u00c0 l\u2019inverse, les indicateurs de <strong>BH Bank<\/strong> traduisent une ann\u00e9e plus contrast\u00e9e. Si la banque enregistre une <strong>forte progression des d\u00e9p\u00f4ts (+11,2%)<\/strong>, son <strong>Produit Net Bancaire recule de pr\u00e8s de 3%<\/strong>, p\u00e9nalis\u00e9 par la baisse des revenus d\u2019int\u00e9r\u00eats et la hausse sensible des charges g\u00e9n\u00e9rales d\u2019exploitation.<\/p>\n<p>Le renforcement du portefeuille titres (+19,7%) appara\u00eet ici davantage comme un <strong>outil de compensation<\/strong> que comme un v\u00e9ritable levier de cr\u00e9ation de valeur durable. La question de l\u2019efficience op\u00e9rationnelle demeure ainsi centrale pour l\u2019exercice \u00e0 venir<\/p>\n<p>bh-bank-indicateurs-dactivite-t\u2026<\/p>\n<p><strong>Banque de Tunisie : trajectoire r\u00e9guli\u00e8re et prudente<\/strong><\/p>\n<p>La <strong>Banque de Tunisie<\/strong> confirme son profil de <strong>croissance mod\u00e9r\u00e9e mais stable<\/strong>. Le PNB progresse de plus de 4%, les cr\u00e9dits affichent une hausse robuste (+8,6%) et les d\u00e9p\u00f4ts poursuivent leur progression, bien que plus contenue que chez certains concurrents.<\/p>\n<p>En revanche, la <strong>baisse marqu\u00e9e des ressources sp\u00e9ciales<\/strong> interroge sur la capacit\u00e9 de financement \u00e0 long terme, dans un contexte o\u00f9 les besoins de l\u2019\u00e9conomie restent \u00e9lev\u00e9s<\/p>\n<p>bt-indicateurs-dactivite-trimes\u2026<\/p>\n<p><strong>UBCI : acc\u00e9l\u00e9ration nette de l\u2019activit\u00e9 cr\u00e9dit<\/strong><\/p>\n<p>Enfin, <strong>UBCI<\/strong> surprend positivement avec une <strong>forte acc\u00e9l\u00e9ration de son activit\u00e9 commerciale<\/strong>. Les cr\u00e9dits \u00e0 la client\u00e8le progressent de plus de 14%, tandis que le PNB affiche une hausse proche de 10%.<\/p>\n<p>La restructuration rapide du <strong>portefeuille titres<\/strong>, marqu\u00e9e par une envol\u00e9e du portefeuille commercial, traduit un <strong>changement de posture strat\u00e9gique<\/strong>, plus offensif, mais qui devra \u00eatre \u00e9valu\u00e9 \u00e0 l\u2019aune du risque et de la soutenabilit\u00e9 des marges<\/p>\n<p>ubci-indicateurs-dactivite-trim\u2026<\/p>\n<p>.<strong>Lecture transversale : les vrais enseignements<\/strong><\/p>\n<p>Les premi\u00e8res publications bancaires de 2025 confirment trois tendances lourdes :<\/p>\n<ol>\n<li><strong>La collecte des d\u00e9p\u00f4ts demeure le principal moteur de croissance<\/strong>, signe d\u2019une confiance relative des m\u00e9nages et des entreprises.<\/li>\n<li><strong>Les revenus du portefeuille titres prennent une place croissante<\/strong>, refl\u00e9tant \u00e0 la fois les opportunit\u00e9s offertes par les titres d\u2019\u00c9tat et les limites de la marge d\u2019interm\u00e9diation classique.<\/li>\n<li><strong>La ma\u00eetrise des charges devient le principal d\u00e9fi<\/strong>, dans un environnement inflationniste et r\u00e9glementaire exigeant.<\/li>\n<\/ol>\n<p><strong>Un d\u00e9but de saison r\u00e9v\u00e9lateur<\/strong><\/p>\n<p>Ces indicateurs, publi\u00e9s avant le 20 janvier 2025, ne constituent qu\u2019un <strong>premier jalon<\/strong> de la saison financi\u00e8re. Ils n\u2019en sont pas moins r\u00e9v\u00e9lateurs d\u2019un secteur bancaire tunisien en <strong>phase d\u2019ajustement strat\u00e9gique<\/strong>, cherchant un nouvel \u00e9quilibre entre financement de l\u2019\u00e9conomie, rentabilit\u00e9 et gestion des risques.<\/p>\n<p>Les r\u00e9sultats annuels audit\u00e9s et les perspectives 2026 diront si cette r\u00e9silience observ\u00e9e en fin d\u2019ann\u00e9e peut se transformer en <strong>croissance durable<\/strong>.<\/p>\n<p><strong>Tableau comparatif \u2013 Indicateurs cl\u00e9s bancaires (31\/12\/2025)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Banque<\/strong><\/td>\n<td><strong>PNB (MDT)<\/strong><\/td>\n<td><strong>Var. PNB<\/strong><\/td>\n<td><strong>Cr\u00e9dits client\u00e8le (MDT)<\/strong><\/td>\n<td><strong>Var. Cr\u00e9dits<\/strong><\/td>\n<td><strong>D\u00e9p\u00f4ts client\u00e8le (MDT)<\/strong><\/td>\n<td><strong>Var. D\u00e9p\u00f4ts<\/strong><\/td>\n<td><strong>Portefeuille titres (MDT)<\/strong><\/td>\n<td><strong>Var. Portefeuille<\/strong><\/td>\n<td><strong>Capitaux propres (MDT)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>BNA Bank<\/strong><\/td>\n<td>1 084,9<\/td>\n<td><strong>+11,2%<\/strong><\/td>\n<td>14 449,8<\/td>\n<td>+7,4%<\/td>\n<td>13 921,3<\/td>\n<td>+9,8%<\/td>\n<td>9 576,2<\/td>\n<td>+19,2%<\/td>\n<td>2 081,1<\/td>\n<\/tr>\n<tr>\n<td><strong>BH Bank<\/strong><\/td>\n<td>681,5<\/td>\n<td><strong>-2,8%<\/strong><\/td>\n<td>10 335,6<\/td>\n<td>-2,3%<\/td>\n<td>10 019,8<\/td>\n<td>+11,2%<\/td>\n<td>3 864,4<\/td>\n<td>+19,7%<\/td>\n<td>1 333,5<\/td>\n<\/tr>\n<tr>\n<td><strong>Amen Bank<\/strong><\/td>\n<td>590,7<\/td>\n<td><strong>+4,3%<\/strong><\/td>\n<td>7 534,2<\/td>\n<td>+3,2%<\/td>\n<td>8 721,5<\/td>\n<td>+8,8%<\/td>\n<td>3 285,0<\/td>\n<td>+16,0%<\/td>\n<td>1 458,7<\/td>\n<\/tr>\n<tr>\n<td><strong>Banque de Tunisie<\/strong><\/td>\n<td>531,7<\/td>\n<td><strong>+4,3%<\/strong><\/td>\n<td>6 590,8<\/td>\n<td>+8,6%<\/td>\n<td>6 957,7<\/td>\n<td>+3,9%<\/td>\n<td>1 358,3<\/td>\n<td>+9,2%<\/td>\n<td>1 316,9<\/td>\n<\/tr>\n<tr>\n<td><strong>UBCI<\/strong><\/td>\n<td>351,3<\/td>\n<td><strong>+9,6%<\/strong><\/td>\n<td>3 768,8<\/td>\n<td><strong>+14,5%<\/strong><\/td>\n<td>3 921,7<\/td>\n<td>+3,8%<\/td>\n<td>988,5<\/td>\n<td>+23,5%<\/td>\n<td>523,4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; &nbsp; &nbsp; Alors que la saison des publications financi\u00e8res d\u00e9marre \u00e0 la Bourse de Tunis, plusieurs banques cot\u00e9es ont pris de l\u2019avance en d\u00e9voilant leurs indicateurs d\u2019activit\u00e9 arr\u00eat\u00e9s au 31 d\u00e9cembre 2025. Ces premi\u00e8res d\u00e9clarations offrent une lecture pr\u00e9cieuse de l\u2019\u00e9tat du syst\u00e8me bancaire tunisien \u00e0 la cl\u00f4ture de l\u2019exercice, entre r\u00e9silience commerciale, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":139558,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[653],"class_list":["post-139557","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie","tag-banques-cotees"],"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>Banques cot\u00e9es : ce que r\u00e9v\u00e8lent les premiers indicateurs publi\u00e9s avant le 20 janvier 2025... - 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=139557\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banques cot\u00e9es : ce que r\u00e9v\u00e8lent les premiers indicateurs publi\u00e9s avant le 20 janvier 2025...\" \/>\n<meta property=\"og:description\" content=\"&nbsp; &nbsp; &nbsp; &nbsp; Alors que la saison des publications financi\u00e8res d\u00e9marre \u00e0 la Bourse de Tunis, plusieurs banques cot\u00e9es ont pris de l\u2019avance en d\u00e9voilant leurs indicateurs d\u2019activit\u00e9 arr\u00eat\u00e9s au 31 d\u00e9cembre 2025. 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