{"id":378313,"date":"2025-06-24T18:25:41","date_gmt":"2025-06-24T17:25:41","guid":{"rendered":"https:\/\/www.webdo.tn\/fr\/?p=378313"},"modified":"2025-06-25T09:01:17","modified_gmt":"2025-06-25T08:01:17","slug":"tunisie-les-creances-douteuses-des-banques-publiques-pesent-lourd-dans-lequation-de-la-reconciliation-penale","status":"publish","type":"post","link":"https:\/\/www.webdo.tn\/fr\/actualite\/national\/tunisie-les-creances-douteuses-des-banques-publiques-pesent-lourd-dans-lequation-de-la-reconciliation-penale\/378313\/","title":{"rendered":"Tunisie\u00a0: L\u2019apport des banques publiques dans la r\u00e9conciliation p\u00e9nale, 6800 MD en suspens"},"content":{"rendered":"\n

\u00c9valu\u00e9es \u00e0 plus de 6800 millions de dinars, les cr\u00e9ances douteuses des trois principales banques publiques repr\u00e9sentent pr\u00e8s de la moiti\u00e9 des recettes attendues de la r\u00e9conciliation p\u00e9nale. Un enjeu majeur pour la relance \u00e9conomique et le d\u00e9veloppement r\u00e9gional.<\/strong><\/p>\n\n\n\n

Les cr\u00e9ances douteuses des principales banques publiques tunisiennes – la Soci\u00e9t\u00e9 tunisienne de banque (STB), la BH BANK et la Banque nationale agricole (BNA) – s\u2019\u00e9l\u00e8vent \u00e0 6874,4 millions de dinars, soit environ 50,9% des revenus esp\u00e9r\u00e9s de la r\u00e9conciliation p\u00e9nale, estim\u00e9s \u00e0 13.500 millions de dinars.<\/p>\n\n\n\n

Ces chiffres proviennent des rapports d\u2019activit\u00e9 2024 publi\u00e9s par le Conseil du march\u00e9 financier (CMF). La classification de ces cr\u00e9ances repose sur des textes r\u00e9glementaires, notamment la circulaire de la Banque Centrale n\u00b091-2024 du 17 d\u00e9cembre 1991 et celle n\u00b006 du 28 novembre 2006 sur le contr\u00f4le interne des \u00e9tablissements bancaires.<\/p>\n\n\n\n

La loi n\u00b03 du 18 janvier 2024, qui modifie le d\u00e9cret n\u00b013 de 2022, encadre les m\u00e9canismes de la r\u00e9conciliation p\u00e9nale. Elle pr\u00e9voit que 80% des revenus g\u00e9n\u00e9r\u00e9s seront affect\u00e9s au financement de projets de d\u00e9veloppement, prioritairement dans les d\u00e9l\u00e9gations les plus d\u00e9favoris\u00e9es, tandis que 20% seront destin\u00e9s aux collectivit\u00e9s locales pour soutenir l\u2019\u00e9conomie citoyenne.<\/p>\n\n\n\n

Dans cette dynamique, le recouvrement des cr\u00e9ances douteuses des trois banques publiques constitue une source potentielle de financement non n\u00e9gligeable. La STB d\u00e9tient la part la plus importante de ces cr\u00e9ances (3159 MD), suivie par la BH BANK (2048,4 MD) et la BNA (1667 MD).<\/p>\n\n\n\n

Le pr\u00e9sident Ka\u00efs Sa\u00efed a, \u00e0 plusieurs reprises, soulign\u00e9 l\u2019importance de r\u00e9cup\u00e9rer les fonds d\u00e9tourn\u00e9s afin de renforcer le r\u00f4le social de l\u2019\u00c9tat et de soutenir les efforts de d\u00e9veloppement. Il a appel\u00e9 les institutions publiques, notamment bancaires et financi\u00e8res, \u00e0 s\u2019impliquer activement dans cette strat\u00e9gie nationale de redressement.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00c9valu\u00e9es \u00e0 plus de 6800 millions de dinars, les cr\u00e9ances douteuses des trois principales banques publiques repr\u00e9sentent pr\u00e8s de la moiti\u00e9 des recettes attendues de la r\u00e9conciliation p\u00e9nale. Un enjeu majeur pour la relance \u00e9conomique et le d\u00e9veloppement r\u00e9gional. Les cr\u00e9ances douteuses des principales banques publiques tunisiennes – la Soci\u00e9t\u00e9 tunisienne de banque (STB), la […]<\/p>\n","protected":false},"author":3191,"featured_media":378314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[12022,7181,2608],"class_list":["post-378313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","tag-banques-publiques-2","tag-reconciliation-penale","tag-tunisie"],"yoast_head":"\nTunisie\u00a0: L\u2019apport des banques publiques dans la r\u00e9conciliation p\u00e9nale, 6800 MD en suspens - webdo<\/title>\n<meta name=\"description\" content=\"\u00c9valuez les cr\u00e9ances douteuses des banques publiques : un facteur crucial pour la r\u00e9conciliation p\u00e9nale et l'\u00e9conomie tunisienne.\" \/>\n<link rel=\"canonical\" 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