{"id":142423,"date":"2026-10-10T12:14:04","date_gmt":"2026-10-10T10:14:04","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=142423"},"modified":"2026-10-10T12:14:04","modified_gmt":"2026-10-10T10:14:04","slug":"poste-tunisienne-47-millions-depargnants-25-de-lepargne-nationale-mais-ou-sont-les-bilans-financiers","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=142423","title":{"rendered":"POSTE TUNISIENNE : 4,7 MILLIONS D\u2019\u00c9PARGNANTS, 25 % DE L\u2019\u00c9PARGNE NATIONALE\u2026 MAIS O\u00d9 SONT LES BILANS FINANCIERS ?"},"content":{"rendered":"

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<\/h1>\n

La Poste tunisienne revendique une place majeure dans le paysage de l\u2019\u00e9pargne nationale. \u00c0 fin septembre 2026, elle compte 4 millions 713 mille \u00e9pargnants<\/strong> et repr\u00e9sente environ 25 % de l\u2019\u00e9pargne nationale globale<\/strong>, selon les donn\u00e9es pr\u00e9sent\u00e9es \u00e0 l\u2019occasion de la Journ\u00e9e mondiale de la poste, c\u00e9l\u00e9br\u00e9e le 9 octobre.<\/p>\n

Mais derri\u00e8re ces chiffres, une question m\u00e9rite d\u2019\u00eatre pos\u00e9e : qu\u2019en est-il de la situation financi\u00e8re de cette entreprise publique qui g\u00e8re l\u2019\u00e9pargne de millions de Tunisiens ?<\/strong><\/p>\n

\u00a04,7 millions d\u2019\u00e9pargnants : un poids consid\u00e9rable dans l\u2019\u00e9conomie tunisienne<\/h3>\n

Avec pr\u00e8s de 4,7 millions de clients \u00e9pargnants, la Poste tunisienne occupe une place importante dans l\u2019acc\u00e8s des citoyens aux services financiers. Sa contribution, estim\u00e9e \u00e0 environ un quart de l\u2019\u00e9pargne nationale, souligne le r\u00f4le qu\u2019elle joue dans la mobilisation des ressources financi\u00e8res et l\u2019inclusion financi\u00e8re.<\/p>\n

Ces chiffres t\u00e9moignent de l\u2019ampleur de son activit\u00e9. Ils rendent \u00e9galement essentielle la publication r\u00e9guli\u00e8re d\u2019informations d\u00e9taill\u00e9es sur ses r\u00e9sultats, sa rentabilit\u00e9 et la gestion des fonds qui lui sont confi\u00e9s.<\/p>\n

\u00a0Intelligence artificielle, inclusion et durabilit\u00e9 : les ambitions pour 2030<\/h3>\n

La Poste tunisienne a plac\u00e9 sa c\u00e9l\u00e9bration sous le th\u00e8me : \u00ab La Poste Tunisienne, l\u2019intelligence artificielle au service de l\u2019inclusion et de la durabilit\u00e9 \u00bb.<\/p>\n

Cette orientation s\u2019inscrit dans son plan strat\u00e9gique 2026-2030, qui pr\u00e9voit notamment le renforcement de l\u2019inclusion financi\u00e8re, sociale et \u00e9conomique, l\u2019acc\u00e9l\u00e9ration de la transformation num\u00e9rique, l\u2019utilisation de l\u2019intelligence artificielle dans les services financiers et postaux, le d\u00e9veloppement du commerce \u00e9lectronique et le projet \u00ab Poste verte \u00bb, destin\u00e9 \u00e0 r\u00e9duire la consommation d\u2019\u00e9nergie.<\/p>\n

Le programme pr\u00e9voit \u00e9galement le renforcement des comp\u00e9tences des ressources humaines.<\/p>\n

\u00a0200 distributeurs install\u00e9s ou remplac\u00e9s, 800 attendus d\u2019ici fin 2026<\/h3>\n

Sur le volet des services financiers, la Poste tunisienne a engag\u00e9 depuis le d\u00e9but de l\u2019ann\u00e9e le remplacement et l\u2019installation de 200 distributeurs automatiques de billets (DAB)<\/strong> dans diff\u00e9rentes r\u00e9gions du pays.<\/p>\n

L\u2019objectif annonc\u00e9 est d\u2019atteindre environ 800 distributeurs d\u2019ici la fin de 2026<\/strong>.<\/p>\n

Autre indicateur de la place croissante des paiements \u00e9lectroniques : \u00e0 fin septembre, quelque 287 300 \u00e9tudiants<\/strong>, soit pr\u00e8s de 76 % du total, avaient effectu\u00e9 leur inscription universitaire \u00e0 distance en utilisant des moyens de paiement \u00e9lectronique, selon les donn\u00e9es communiqu\u00e9es.<\/p>\n

\u00a0Le point sensible : la transparence financi\u00e8re<\/h3>\n

Toutefois, les indicateurs d\u2019activit\u00e9 ne suffisent pas, \u00e0 eux seuls, \u00e0 appr\u00e9cier la performance financi\u00e8re d\u2019une entreprise publique.<\/p>\n

Le chiffre d\u2019affaires, le r\u00e9sultat net, les charges d\u2019exploitation, le niveau des fonds propres et les \u00e9ventuelles obligations financi\u00e8res constituent autant d\u2019\u00e9l\u00e9ments n\u00e9cessaires pour \u00e9valuer sa sant\u00e9 \u00e9conomique et la qualit\u00e9 de sa gestion.<\/p>\n

Or, selon les informations relev\u00e9es dans le texte source, le site de la Poste tunisienne ne pr\u00e9sente pas de bilan financier r\u00e9cent et d\u00e9taill\u00e9 permettant au public de disposer d\u2019une vision claire de ses r\u00e9sultats. Le chiffre d\u2019affaires de 616,4 millions de dinars<\/strong>, qui y est mentionn\u00e9, remonterait \u00e0 2022<\/strong>.<\/p>\n

Cette absence apparente d\u2019informations financi\u00e8res actualis\u00e9es soul\u00e8ve une interrogation l\u00e9gitime : pourquoi les donn\u00e9es sur l\u2019activit\u00e9 sont-elles mises en avant alors que les indicateurs financiers permettant d\u2019en mesurer les r\u00e9sultats restent difficiles \u00e0 consulter ?<\/strong><\/p>\n

Il convient de distinguer l\u2019absence de publication facilement accessible sur le site de l\u2019absence \u00e9ventuelle de comptes financiers ailleurs : ce constat ne permet pas, \u00e0 lui seul, de conclure que les comptes n\u2019existent pas ou que la gestion est d\u00e9faillante.<\/p>\n

\u00a0L\u2019inclusion financi\u00e8re doit aussi s\u2019accompagner de transparence<\/h3>\n

La Poste tunisienne affiche des ambitions importantes en mati\u00e8re de num\u00e9risation, d\u2019intelligence artificielle et de d\u00e9veloppement durable. Avec des millions d\u2019\u00e9pargnants et un r\u00f4le majeur dans l\u2019inclusion financi\u00e8re, la publication r\u00e9guli\u00e8re de ses r\u00e9sultats financiers constituerait un \u00e9l\u00e9ment essentiel de transparence et de confiance.<\/p>\n

Car au-del\u00e0 du nombre de clients, des distributeurs install\u00e9s et des services num\u00e9riques d\u00e9velopp\u00e9s, une question demeure centrale : quels sont les r\u00e9sultats financiers r\u00e9els de la Poste tunisienne et comment \u00e9volue la gestion des ressources qui lui sont confi\u00e9es ?<\/strong><\/p>\n

Une entreprise publique qui occupe une place aussi importante dans l\u2019\u00e9pargne des citoyens doit pouvoir rendre compte de ses performances avec des donn\u00e9es r\u00e9centes, accessibles et compr\u00e9hensibles. La transparence financi\u00e8re n\u2019est pas un simple indicateur de communication : elle est un \u00e9l\u00e9ment fondamental de la confiance du public.<\/p>\n","protected":false},"excerpt":{"rendered":"

  La Poste tunisienne revendique une place majeure dans le paysage de l\u2019\u00e9pargne nationale. \u00c0 fin septembre 2026, elle compte 4 millions 713 mille \u00e9pargnants et repr\u00e9sente environ 25 % de l\u2019\u00e9pargne nationale globale, selon les donn\u00e9es pr\u00e9sent\u00e9es \u00e0 l\u2019occasion de la Journ\u00e9e mondiale de la poste, c\u00e9l\u00e9br\u00e9e le 9 octobre. Mais derri\u00e8re ces chiffres, […]<\/p>\n","protected":false},"author":2,"featured_media":142424,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-142423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nPOSTE TUNISIENNE : 4,7 MILLIONS D\u2019\u00c9PARGNANTS, 25 % DE L\u2019\u00c9PARGNE NATIONALE\u2026 MAIS O\u00d9 SONT LES BILANS FINANCIERS ? - 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=142423\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"POSTE TUNISIENNE : 4,7 MILLIONS D\u2019\u00c9PARGNANTS, 25 % DE L\u2019\u00c9PARGNE NATIONALE\u2026 MAIS O\u00d9 SONT LES BILANS FINANCIERS ?\" \/>\n<meta property=\"og:description\" content=\"  La Poste tunisienne revendique une place majeure dans le paysage de l\u2019\u00e9pargne nationale. \u00c0 fin septembre 2026, elle compte 4 millions 713 mille \u00e9pargnants et repr\u00e9sente environ 25 % de l\u2019\u00e9pargne nationale globale, selon les donn\u00e9es pr\u00e9sent\u00e9es \u00e0 l\u2019occasion de la Journ\u00e9e mondiale de la poste, c\u00e9l\u00e9br\u00e9e le 9 octobre. 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