[PDF] [PDF] BH - Compte rendu AGO - Tustex

View - Download [PDF] BH - Compte rendu AGO - Tustex

Previous PDF

Next PDF

- 6XU OH SOMQ VPUMPpJLTXH OM NMQTXH M ŃO{PXUp MYHŃ VXŃŃqV VRQ SURŃHVVXV GH UHŃMSLPMOLVMPLRQ ŃRPSRUPMQP

ŃRQIRUPHV j OM UpJOHPHQPMPLRQ HQ YLJXHXUB

- $X SOMQ ILQMQŃLHU IM NMQTXH M MIILŃOp XQH NRQQH UpVLVPMQŃH IMŃH j XQ ŃRQPH[PH pŃRQRPLTXH HP PRQpPMLUH

5HPRXU VXU OHV SHUIRUPMQŃHV GH OH NMQTXH VXU OM SpULRGH 2011 - 201DB

n 5pMOLVMPLRQV UpŃHQPHV ŃRQŃLOLHU ULJXHXU HP ŃURLVVMQŃH

1 IHV GpS{PV

GH ŃROOHŃPH HQUHJLVPUMQP XQH ŃURLVVMQŃH VXSpULHXUH j OM PR\HQQH GX VHŃPHXU E SRXU OM %+ ŃRQPUH XQH SURJUHVVLRQ PR\HQQH

SRVLPLRQ GMQV OH SMOPMUqV GH OM ŃROOHŃPHB

3RXU SMOOLHU j OM ŃOHUPp GH VHV UHVVRXUŃHV OM NMQTXH M GpSOR\p GHV HIIRUPV QRPMNOHV SRXU GLYHUVLILHU OM VPUXŃPXUH GH VHV GpS{PV

SULYLOpJLMQP GMYMQPMJH OHV PMPXULPpV OHV SOXV ŃRXUPHV IMLNOHPHQP UpPXQpUpHVB IM SMUP GHV GpS{PV j YXH HVP MLQVL SMVVpH

ŃHPPH GHUQLqUH ŃRQPLQXH j MIILŃOHU XQ ŃR€P MSSMUHQP GHV UHVVRXUŃHV SOXV pOHYp SMU UMSSRUP j OM ŃRQŃXUUHQŃH XQ ŃR€P GH 421

SMU UMSSRUP j XQH PR\HQQH VHŃPRULHOOH GH 3B13B

%+ - FRPSPH UHQGX $*2

5MPLRV NRXUVLHUV MX 16C07C2016

%+ 6HŃPHXU NMQŃMLUH

3(5201D 6BE[ 1DB1[

3(52016H 6B3[ EBE[

3C%201D 1B2[ 1B4[

3C%2016H 1B0[ 1B3[

KLHOG2016H 2B4 3BD

52(201D 1DB6 16B1

FMSLPMOLVMPLRQ %RXUVLqUH D61 0G7

3UL[ 16B4E0 G7

ÓXLOOHP 2016

GpSMUPHPHQP 5HŃOHUŃOHV (PXGHV

eYROXPLRQ GX ŃRXUV NRXUVLHU GX PLPUH %+ VXU OHV GHX[ GHUQLqUHV MQQpHV

FMS VXU XQH ŃURLVVMQŃH SOXV VMLQHA

3 3320GP

4 6E70GP 7F$0 2011-201D ĄE

(YROXPLRQ GH OM VPUXŃPXUH GHV UHVVRXUŃHV GH OM %+ HQPUH 2011

HP 201D

HQŃRUH GpPMUUp VRQ MŃPLYLPp GH ŃROOHŃPH GH GpS{PV HQ 201DB

3HUIRUPMQŃH K7G Ą3DB7

25%
31%
40%
33%
33%
32%
3% 3%

20112015

Autres dépôts et avoirs de la

clientèle

Dépôts à terme et bons de

caisse

Dépôts d'épargne

Dépôts à vue1

43%
34%
32%
5%

Dépôts à vue

Dépôts d'épargne

Dépôts à terme et bons de

caisse

Autres dépôts et avoirs de la

clientèle

6PUXŃPXUH GHV UHVVRXUŃHV GX VHŃPHXU NMQŃMLUH ŃRPp HQ

201D
2 2

6XU OHV TXMPUH SURŃOMLQHV MQQpHV OH GHUQLHU NXVLQHVV SOMQ SXNOLp SMU OM NMQTXH

PMNOH VXU XQH ŃURLVVMQŃH MQQXHOOH GH 13 GHV GpS{PV JUkŃH QRPMPPHQP

2 IHV ŃUpGLPV

(Q GpSLP GH OM PRURVLPp MPNLMQPH OM %+ M PMLQPHQX XQH SROLPLTXH MŃPLYH PR\HQQH GH 6 VXU OHV ŃLQT GHUQLqUHV MQQpHVB 8Q U\POPH GH ŃURLVVMQŃH HQ OLJQH GHUQLqUHV MQQpHVB $YHŃ XQ YROXPH GH ŃUpGLPV GH DB3 PLOOLMUGV GH GLQMUV OM %+ VH ŃOMVVH HQ PLOLHX GH PMNOHMX HQ DqPH SRVLPLRQ MYHŃ XQH SMUP GH PMUŃOp

GH 11B

2XPUH OM TXrPH GHV SMUPV GH PMUŃOp OM ŃURLVVMQŃH GHV ŃUpGLPV HVP PRPLYpH SMU OM YRORQPp GH GLYHUVLILHU OHV HQJMJHPHQPVB

GH 40B

XQH OMXVVH PR\HQQH GH VRQ HQŃRXUV GH ŃUpGLPV GH D VXU OM SpULRGH 201D-201EB

3 IH 31%

6XU OH GHUQLHU TXLQTXHQQMP OM %+ M UpMOLVp XQH ŃURLVVMQŃH MQQXHOOH PR\HQQH

GH E GH VRQ 31% j 2660GPB 8QH SHUIRUPMQŃH HQ OLJQH MYHŃ OM PR\HQQH VXSpULHXUH j OM PR\HQQH GX VHŃPHXU XQH SRQGpUMPLRQ GH D8 ŃRQPUH D4 SRXU IRŃMOLVpH VXU OHV SURGXLPV GH SOMŃHPHQP SRXU NRRVPHU VRQ 31%B $ORUV TXH j VH UpPUMŃPHU -11 SRLQPV GH SRXUŃHQPMJH j D8 GH 2011 j 201D OH SRLGV GHV UHYHQXV GH SRUPHIHXLOOH M SUHVTXH GRXNOp j 22B

6XU OM SpULRGH UHVPMQPH GX NXVLQHVV SOMQ OM NMQTXH ŃRPSPH SRXUVXLYUH

OM GLYHUVLILŃMPLRQ GH VHV VRXUŃHV GH UHYHQXV MPPHLJQMQP XQ U\POPH GH ŃURLVVMQŃH VXSpULHXU j OM PR\HQQH OLVPRULTXH Ą12 VXU OM SpULRGH 201D-201EB

4 IM SURGXŃPLYLPp

OM NMQTXH j GpSOR\p GHV HIIRUPV LPSRUPMQPV SRXU PMLPULVHU VHV IUMLV JpQpUMX[B IM NMQTXH M MLQVL MPPHLQP XQ ŃRHIILŃLHQP

SURGXŃPLYHV GH OM SOMŃHB 6XU OHV SURŃOMLQHV MQQpHV OM NMQTXH ŃRPSPH PHPPUH HQ SOMŃH XQ SURJUMPPH GH UHVPUXŃPXUMPLRQ GHV

201EB

D IM TXMOLPp GH SRUPHIHXLOOH

$ O

XQ SLŃ GH 21B6 HQ 2013B 3RXU MVVMLQLU VRQ NLOMQ OM NMQTXH M G€ ŃRQVPMPHU GHV SURYLVLRQV VXU ŃUpMQŃHV GH 3110GP IMLVMQP

XQ SURJUMPPH G

MVVMLQLVVHPHQP GX SRUPHIHXLOOH GHV ŃUpMQŃHV j PUMYHUV XQH UHYXH GH OM

ILOLqUH UHŃRXYUHPHQP HP OM PLVH HQ SOMŃH GH QRXYHOOHV RULHQPMPLRQV HQ PMPLqUH GH SULVH GH ULVTXH GH ŃUpGLP B FHPPH VPUMPpJLH

VHPNOH SRUPHU VHV IUXLPV HP OM NMQTXH M SX MPPHLQGUH XQ PMX[ GH ŃUpMQŃHV ŃOMVVpHV GH 17D j ILQ 201DB FRQÓXJXpH

XQ QLYHMX VXSpULHXU MX VHXLO UHŃRPPMQGp SMU OM %F7 70B %+ - FRPSPH UHQGX $*2 (YROXPLRQ GH OM VPUXŃPXUH GHV ŃUpGLPV

SURGXŃPLIV HQPUH 2011 ± 201D

7F$0 2011-201D ĄE

1880GP

2660GP

(YROXPLRQ GH OM VPUXŃPXUH GX 31% HQPUH 2011

HP 201D

3 3 %XVLQHVV 3OMQ (VPLPMPLRQV GH 7XQLVLH 9MOHXUV

GpSMUPHPHQP 5HŃOHUŃOHV (PXGHV

5\P *$5*285H %(1 +$0$G28

ILOLM .$0281 785.H

+MP]M %(1 7$$5H7

0MLO UHŃOHUŃOH#PXQLVLHYMOHXUVBŃRP

7HO 71 18E 600 - 71 18E 630

RRRBPXQLVLHYMOHXUVBŃRP

D IM UHQPMNLOLPp

XQ GpSMVVHPHQP GH E SMU UMSSRUP MX[ SUpYLVLRQV LQLPLMOHV 8Q QLYHMX TXL ŃRQPULNXHUM j UHQIORXHU OHV IRQGV SURSUHV

GH OM NMQTXH UMPLR FRRNH GH 103 ŃRQPUH 47 HQ 2014B

$X QLYHMX ŃRQVROLGp OM VRŃLpPp PqUH GHPHXUH OH SULQŃLSMO PRPHXU GH OM ŃURLVVMQŃH GHV NpQpILŃHV GX JURXSHB FHUPHV

VL ŃHUPMLQHV GHV ILOLMOHV SULQŃLSMOHPHQP OM 7XQLVLMQ )RUHLJQ %MQN ŃRQPLQXHQP j SpQMOLVHU OM UHQPMNLOLPp ŃRQVROLGpH

OM ŃRQPULNXPLRQ GHV MXPUHV HQPLPpV GX JURXSH UHVPH JORNMOHPHQP SRVLPLYHB (Q 201D OH UpVXOPMP QHP SMUP GX JURXSH M SX GRXNOp

j 82BD0GP HQ 201DB

5MSSHORQV TXH OM %+ GpPLHQP GHSXLV 200E XQH SMUPLŃLSMPLRQ GH 43 GMQV OH ŃMSLPMO GH OM 7)% TXL HVP SURYLVLRQQpH j OMXPHXU

VXU OH NXVLQHVV SOMQ LQLPLMOB

ŃOMLUHPHQP MYHŃ OH SMVVpB 2016 VHUM YUMLVHPNOMNOHPHQP XQH QRXYHOOH MQQpH SRUPHXVH GH ŃOMQJHPHQPV 3RXUVXLPH

HP ŃRPSPH PHQX GHV UpMOLVMPLRQV MX SUHPLHU PULPHVPUH 2016 QRXV PMNORQV VXU XQH ŃURLVVMQŃH GX 31% GH 12 j 3000GP

HP XQ UpVXOPMP QHP SMUP GX JURXSH HQ OMXVVH GH 8 j 88B80GPB n FRPSRUPHPHQP NRXUVLHU HP RSLQLRQ GH 7XQLVLH 9MOHXUV

OH SMOPMUqV 201D GX PMUŃOp MŃPLRQV MYHŃ XQH SHUIRUPMQŃH GH 84B (Q 2016 OHV SXNOLŃMPLRQV UMVVXUMQPHV GH OM NMQTXH RQP

3UpVHQPHPHQP HP MYHŃ XQH ŃMSLPMOLVMPLRQ GH D610GP OH PLPUH %+ VH PUMLPH j GHV QLYHMX[ GH YMORULVMPLRQ MPPUM\MQPV

ŃRPSMUMPLYHPHQP j OM PR\HQQH VHŃPRULHOOH HP ŃH MXVVL NLHQ HQ PHUPH GH PXOPLSOH GH 3C% PXOPLSOH 3C% 201D GH 1B2[ ŃRQPUH

1B4[ SRXU OH VHŃPHXU ŃRPp TXH GH 3(5 3C( 201D GH 6BE[ SRXU OM %+ ŃRQPUH 1DB1[ SRXU OH VHŃPHXUB

6MQV ŃRPSPHU OM GLVPULNXPLRQ GH GLYLGHQGHV PMQP MPPHQGXH SMU OH PMUŃOp KLHOG 2016H GH 2B4 OH UHOMQŃH ŃRPPHUŃLMOH

%+ - FRPSPH UHQGX $*2

IHV LQIRUPMPLRQV ŃRQPHQXHV GMQV ŃHPPH SXNOLŃMPLRQ SURYLHQQHQP GH VRXUŃHV TXH QRXV ÓXJHRQV rPUH GH ŃRQILMQŃH

En KDT2013201420152016e2017p

CréanceV Vur la clienWèle4 178 551 4 766 184 5 342 413 5 721 724 6 185 183

Progression14H1%12H1%7H1%8H1%

Dépôts clientèle4 071 526 4 634 049 4 696 798 4 898 761 5 119 205

ProgreVVion13,8%1H4%4H3%4H5%

PNB207 244 245 921 266 462 298 971 330 363

Progression18H7%8H4%12H2%10H5%

Dotations aux provisions270 20590 29573 02474 71379 193 ŃraiV généraux109 140120 851124 928130 421136 247

Coefficient d'exploitation53%49%47%44%41%

Résultat net220 139 - 50 298 70 584 81 454 91 310

Progression-122H8%40H3%15H4%12H1%

Résultat net part du groupe 211 000 - 55 301 82 541 88 804 99 027

Progression-126H2%49H3%7H6%11H5%

quotesdbs_dbs27.pdfusesText_33

[PDF] BH 1er prix du concours « On écrit une Belle Histoire

[PDF] BH 3 prix du concours « On écrit une Belle Histoire

[PDF] BH 500-6 B 7735501023

[PDF] BH instructions mise à jour Budgetbox V2

[PDF] BH-D Grand Diamètre

[PDF] BH1-120B - aremeca instrumentation

[PDF] BHAGAVAD-GITA ——— UN EPISODE DU MAHÂBHÂRATA

[PDF] Bhagwan Rajneesh-Osho (1ère partie) - France

[PDF] BHAKTI De la confiance au partage amoureux - Les Magazines

[PDF] BHARAT HEAVY ELECTICALS LTD. HEEP, Hardwar - 249403

[PDF] BHC INOX A2/70 - Anciens Et Réunions

[PDF] BHC Konzept Jugendförderung

[PDF] bhi NEIM 1031 et NES 10-2 : Éliminez le bruit ! bhi NEIM 1031 et

[PDF] bhiebaf - Musée des Beaux

[PDF] BHKW-Lösungen mit Mehrwert.