L’essor exponential des banques islamiques en Tunisie

The net result of the three active Islamic banks in Tunisia recorded, in 2020, an exceptional increase of 265% to reach 62 million dinars (MD) against 17MD in 2019, according to the annual report on banking supervision for the year 2020. published by the Banque Centrale de Tunisie (BCT).

This evolution is the result of the combined effect of certain elements such as the doubling of the net result of a bank in relation to the increase in generating credits, a decrease in the profit margin and the final PNB and a decrease in autre banque du cost du risque en lien notably avec les mesures exceptionnelles relative au report des échéances et au recovery sur certaines relations classées
In the same way, the PNB of the Islamic banks showed, in 2020, an important improvement of 39.1% against 18.5%, the year before, which remains dominated by the strong contribution of the profit margin, i.e. 71%.
The coefficient of exploitation of Islamic banks has also improved by 12.9 percentage points compared to 2019, to reach 56%; lequel niveau demeure élevé vu que les 3 banques se trouvent en phase d’expansion.

7.4% of deposits and 6.2% of credits

According to the BCT, the activity of Islamic banks in Tunisia has strongly developed. In effect, the share of assets they hold has increased from 5.1% in 2017 to 6.4% in 2020. These banks account for only 7.4% of total deposits and 6.2% of total loans in the sector bancaire à fin 2020.

Pour les emplois d’exploitation de ces établissements bancaires, ils s’élèvent, au terme de l’année 2020, à 6607 MD enregistrant une augmentation de 1106 MD ou 20.1% par rapport à l’année 2019.
The credit portefeuille des banques islamiques a atteint 5750 MD composé principally d’opérations Mourabaha (72%) et Ijara (15.5%).
Les resources des banques islamiques ont évolué, en 2020, au même rythme que l’année précédence, soit 16.4%. The deposits of banks dedicated to Islamic operations amount to 6116 MD and are made up of 36.4% of current accounts, 41.4% of savings accounts and 15.9% par des dépôts participatives.
The medium and long-term resources of Islamic banks have experienced a slight increase in 2020, against a decrease over the last 2 years, to make up 1.6% of the total operating resources of Islamic banks, compared to 5.3% in 2017.
L’encours des créances classées des banques islamiques s’est registered en hausse de 38 MD (or 9.9%), par rapport à 2019 pour se situer à 430 MD.

La chariâ et la qualité du service, facteurs determinants

A study elaborated by two Tunisian university students, Moez Ltifi and Jamel Gharbi, shows that the Tunisian clients of Islamic banks consider that the factors: perceived quality of service, confidence and conformity to the “chari’a” are of significant importance for making a decision. à propos de cette financier institution. This requires the banks to pay particular attention to the purpose of responding to the concerns of their clients.

De même, la confiance envers les banques islamiques est base sur le respect de la « chari’a » pour des clients qui désirent sentir qu ils peuvent faire confiance aux banques islamiques dans leurs investimentos. This is consistent with the literature, which proposes that the level of confidence is a function of the level of risk

Regarding the service quality factor offered by Islamic banks, clients attach great importance to the different services provided by banking establishments, such as the time necessary for approval of financing, respect for personnel in contact, and follow-up requests. de la clientèle, à la vitesse de transaction des opérations financières, etc.

The results of the study allowed us to reveal that there is a moderating effect of gender and age between the choice of an Islamic bank and these determinants (quality of service, confidence and conformity to the “Sharia” ).

Les femmes sont plus sensitives au choix des banques islamiques que les hommes. La form de prestation de service, le niveau de confiance et la conformité de l’institution financier à la “chari’a” influence women to choose this bank more than men. Ce qui incite à conseiller aux établissements financiers islamiques d’adopté le genre comme l’un des principaux criteria de segmentation et de classification de ses clients.

De même lâge du consommateur exerce un effet modérateur sur la relation entre choix d’une banque islamique et qualité de service/confidence/conformité à la “chari’a”. The group under the age of 35 has a greater propensity to choose the Islamic bank based on the perceived quality of service, the trust accorded to the financial institution and its compliance with the “Sharia” that the group of plus de 35 ans.

– Publicité-

Leave a Reply

Your email address will not be published.