|
|
|
|
Bilans et Tableau des Comptes
de Résultats ( T.C.R )
|
|
En DA
|
| |
Bilan
Actif |
| LIBELLE |
2005 |
2004 |
Ecart |
en % |
| CAISSE
, BANQUES CENTRALES , TRÉSOR, C.C.P |
9.669.406.063 |
12.767.382.972 |
-
3.100.123.405 |
- 24,28 |
| CRÉANCES
S/INSTITUTIONS FINANCIÈRES |
1.042.223.061 |
993.433.158 |
+
48.789.903 |
+ 4,91 |
| CRÉANCES
SUR LA CLIENTÈLE |
25.865.035.273 |
20.066.394.899 |
+
5.798.640.373 |
+ 28.90 |
| PARTICIPATIONS
& ACTIVITÉS PORTEFEUILLE |
311.513.400 |
352.661.000 |
-
41.147.600 |
- 11,67 |
| CRÉDIT-BAIL |
1.547.773.026 |
1.322.477.406 |
+
225.295.620 |
+17,04 |
| IMMOBILISATIONS |
739.442.926 |
760.207.042 |
-
20.764.117 |
- 2,73 |
| AUTRES
ACTIFS |
671.849.066 |
513.534.860 |
+
158.314.206 |
+30,83 |
| COMPTES
DU PORTEFEUILLE |
1.518.136.748 |
1.870.663.200 |
-
352.526.452 |
-18,84 |
| COMPTES
DE REGULARISATION |
28.043.990 |
5.555.321 |
+
22.488.669 |
+404,81 |
| TOTAL
DE L’ACTIF |
41.393.423.552 |
38.654.456.355 |
+2.738.967.196 |
+ 7,09 |
| |
| Bilan
Passif |
| LIBELLE |
2005 |
2004 |
Ecart |
en % |
| DETTES
ENVERS INSTITUTIONS FINANCIÈRES |
95.134.008 |
21.910.720 |
+
73.223.288 |
+334,19 |
| COMPTES
CRÉDITEURS DE LA CLIENTÈLE |
21.819.905.520 |
20.968.853.206 |
+
851.052.313 |
+4,06 |
| DETTES
REPRÉSENTÉES PAR UN TITRE |
9.804.860.625 |
9.635.591.236 |
+
169.269.389 |
+1,76 |
| AUTRES
PASSIFS |
3.493.363.064 |
2.837.333.862 |
+
656.029.202 |
+23,12 |
| COMPTES
DE PORTEFEUILLE |
2.499.478.750 |
2.245.275.364 |
+
254.203.386 |
+11,32 |
| COMPTES
DE REGULARISATION |
176.385.305 |
75.596.369 |
+
100.788.936 |
133,33 |
| CAPITAL
SOCIAL |
500.000.000 |
500.000.000 |
00 |
0 |
| FONDS
POUR RISQUES BANCAIRES GÉNÉRAUX |
923.514.671 |
832.321.660 |
+ 91 193
011 |
+50,42 |
| PROVISIONS
POUR RISQUES ET CHARGES |
111.432.310 |
109.275.381 |
+ 2 156
929 |
+34,39 |
| PROVISIONS
RÉGLEMENTÉES |
264.219.552 |
264.219.552 |
00 |
0 |
| RÉSERVES
LÉGALES |
50.000.000 |
50.000.000 |
00 |
0 |
| RÉSERVES
FACULTATIVES |
1.000.085.004 |
799.475.055 |
+ 200
609 949 |
+9,77 |
| RÉSULTAT
DE L'EXERCICE |
655.044.741 |
314.603.949 |
+340 440
792 |
+108,21 |
| TOTAL
DU PASSIF |
41.393.423.552 |
38.654.456.355 |
2.738.967.196 |
7,09 |
| |
| Hors
bilan |
| LIBELLE |
2005 |
2004 |
Ecart |
en % |
| A
- ENGAGEMENTS DONNES |
7.796.236.559 |
9.500.586.035 |
- 1.704.349.476 |
-17,94 |
| -ENGAG.
FINANCEMENT FAV. CLIENTELE |
6.960.825.025 |
8.574.650.527 |
-1.613.825.501 |
-18,82 |
| -ENGAG.
GARANTI D'ORDRE INST. FINANC. |
132.653.138 |
383.688.467 |
-
251.035.329 |
-65,43 |
| -ENGAG.
GARANTI D'ORDRE CLIENTELE |
521.430.512 |
404.562.795 |
116 867
717 |
28,89 |
| OPERATIONS
SUR DEVISES |
00 |
00 |
00 |
00 |
| AUTRES
ENGAGEMENTS |
00 |
00 |
00 |
00 |
| -
ENGAGEMENTS DOUTEUX |
181.327.883 |
137.684.246 |
43.643.637 |
31,70 |
| B-
ENGAGEMENTS RECUS |
6.363.691.444 |
7.034.457.242 |
-670.765.799 |
-9,54 |
| -OPERATIONS
EN DEVISES |
00 |
00 |
00 |
00 |
| -GARANTIES
RECU CLIENTELE |
5.853.150.000 |
6.270.130.000 |
-416.980.000 |
-6,65 |
| -ENGAG.
GARANTIE RECUS INST. FINANC. |
00 |
00 |
00 |
00 |
| -AUTRES
ENGAGEMENT |
336.072.773 |
609.858.571 |
-273.785.799 |
-44,89 |
| -
ENGAGEMENTS DOUTEUX |
174.468.671 |
154.468.671 |
20.000.000 |
12,95 |
| |
| COMPTES
DE RESULTATS – CHARGES |
| LIBELLE |
2005 |
2004 |
Ecart |
en % |
| A
- CHARGES D'EXPLOITATION BANCAIRE |
1.064.244.728 |
849.802.984 |
214.441.745 |
25,23 |
| -S/OPERAT.
AVEC INSTITUT. FINANCIERES |
5.844.744 |
13.521.664 |
-7.676.920 |
-56,77 |
| -
S/OPERAT. AVEC LA CLIE NTELE |
554.360.043 |
527.538.635 |
26.821.408 |
5,08 |
| -
CREDIT-BAIL |
495.188.708 |
308.726.291 |
186.462.416 |
60,40 |
| -
COMMISSIONS |
20.486 |
16.392 |
4.094 |
24,97 |
| -
ECART DE CONVERSION |
8.830.747 |
1 |
8.830.746 |
0 |
| B
– AUTRES CHARGES |
1.543.744.663 |
1.350.639.536 |
193.105.127 |
14,30 |
| B.1-CHARGES
DE FONCTIONNEMENT |
603.191.171 |
526.603.176 |
76.587.993 |
14,54 |
| -
SERVICES |
136.339.259 |
105.866.688 |
30.472.571 |
28,78 |
| -
FRAIS DE PERSONNEL |
322.424.083 |
269.978.823 |
52.445.260 |
19,43 |
| -IMPOTS
ET TAXES |
58.949.527 |
60.543.940 |
-1.594.412 |
-2,63 |
| -CHARGES
DIVERSES |
85.478.302 |
90.213.727 |
-4.735.424 |
-5,25 |
| B.2-
DOT. PROV. & PERTES S/CREANCES IRRECUP. |
831.684.679 |
734.633.892 |
97.050.787 |
13,21 |
| B.3-
DOT. AMORT. & PROV. S/IMMOBILISATIONS. |
77.338.661 |
54.376.307 |
22.962.354 |
42,23 |
| B.4
– CHARGES EXCEPTIONNELLES |
31.530.152 |
35.026.161 |
-3.496.009 |
-9,98 |
| C-
IMPOTS SUR LES BENEFICES |
182.982.205 |
255.788.264 |
-72.806.059 |
-28,46 |
| D-
BENEFICE DE L'EXERCICE |
655.044.741 |
314.603.949 |
+340.440.792 |
108,21 |
|
Total |
3.446.016.337 |
2.770.834.733 |
675.181.604 |
10,02 |
| |
| COMPTES
DE RESULTATS – PRODUITS |
|
LIBELLE |
2005 |
2004 |
Ecart |
en % |
| A
- PRODUITS BANCAIRES |
2.841.871.511 |
2.425.724.259 |
416.147.253 |
17,16 |
| -
REVENUS S/OPERATIONS AVEC LA CLIENTELE |
2.389.677.747 |
2.140.810.218 |
248.867.529 |
11,62 |
| CREDIT
BAIL |
436.462.954 |
277.185.368 |
159.277.585 |
57,46 |
| COMMISSIONS |
15.400.117 |
7.404.475 |
7.995.642 |
107,98 |
| ECART
DE CONVERSION CREDITEUR |
330.693 |
324.197 |
6.496 |
2,00 |
| B
- AUTRES PRODUITS |
604.144.825 |
345.110.474 |
259.034.352 |
75,06 |
| PRODUITS
DIVERS |
55.162.834 |
55.362.052 |
-199.218 |
-0,36 |
| REPRISES
PROV ET RECUPER S/ CREANCES AMORTIES |
390.704.283 |
172.096.668 |
218.607.616 |
127,03 |
| PRODUITS
EXCEPTIONNELS |
158.277.708 |
117.651.754 |
40.625.954 |
34,53 |
| TOTAL |
3.446.016.337 |
2.770.834.733 |
675.181.604 |
10,02 |
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