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{"id":3650,"date":"2015-08-21T09:57:20","date_gmt":"2015-08-21T07:57:20","guid":{"rendered":"https:\/\/asialyst.com\/fr\/2015\/08\/18\/brouillon-regard-4\/"},"modified":"2017-07-17T11:24:37","modified_gmt":"2017-07-17T09:24:37","slug":"benefices-record-des-banques-pakistanaises","status":"publish","type":"post","link":"https:\/\/asialyst.com\/fr\/2015\/08\/21\/benefices-record-des-banques-pakistanaises\/","title":{"rendered":"B\u00e9n\u00e9fices record des banques pakistanaises"},"content":{"rendered":"<div class=\"container\">\n\t<meta itemprop=\"keywords\" content=\"Economie\" \/>\n\t<a href=\"https:\/\/asialyst.com\/fr\/economie\/\" class=\"category category-37\">Economie<\/a><br \/>\n\t<time datetime=\"2015-08-21T09:57:20Z\" itemprop=\"datePublished\">\n\t\tPubli\u00e9 21 Ao\u00fbt 2015<br \/>\n\t\tMis \u00e0 jour 17 Juillet 2017\t<\/time>\n\t<meta itemprop=\"dateModified\" content=\"2017-07-17T11:24:37Z\" \/>\n<\/div>\n<div class=\"container\">\n<div class=\"surtitre\" itemprop=\"headline\">Expert - Le Pakistan au fil de l\u2019actualit\u00e9 <\/div><\/div>\n<p>&nbsp;<\/p>\n<div class=\"container\">\n\t<h1 itemprop=\"name\">B\u00e9n\u00e9fices record des banques pakistanaises<\/h1>\n<\/div>\n<div class=\"container\">\n  <div class=\"authors\">\n    <ul>\n    \t        <li class=\"author\" itemprop=\"author\" itemscope itemtype=\"http:\/\/schema.org\/Person\">\n          <a href=\"https:\/\/asialyst.com\/fr\/auteur\/hidayat-hussain\/\" class=\"category-color\" itemprop=\"url\">\n            <span itemprop=\"name\" class=\"name\">\n              Hidayat Hussain            <\/span>\n            <img data-del=\"avatar\" alt=\"Hidayat Hussain\" src='https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/Hidayat-Hussain-150x150.jpg' class='avatar pp-user-avatar avatar-150 photo ' height='150' width='150'\/>          <\/a>\n        <\/li>\n    \t    <\/ul>\n  <\/div>\n<\/div>\n<div class=\"container\">\n  <div class=\"photo-une\" itemprop=\"image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\">\n    <figure>\n      <a href=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/08\/PAKISTAN-ALLIED-BANK.jpg\" class=\"article-image\" title=\"Devant une branche de la 5\u00e8me banque du Pakistan, le 24 juillet 2004 \u00e0 Islamabad. (AFP PHOTO\/Jewel SAMAD)\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"662\" src=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/08\/PAKISTAN-ALLIED-BANK.jpg\" class=\"img-responsive\" alt=\"Devant une branche de la 5\u00e8me banque du Pakistan, le 24 juillet 2004 \u00e0 Islamabad\" srcset=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/08\/PAKISTAN-ALLIED-BANK.jpg 1024w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/08\/PAKISTAN-ALLIED-BANK-300x194.jpg 300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a>\n      <meta itemprop=\"height\" content=\"1024\"\/>\n      <meta itemprop=\"width\" content=\"662\"\/>\n      <meta itemprop=\"contentUrl\" content=\"https:\/\/asialyst.com\/fr\/2015\/08\/21\/benefices-record-des-banques-pakistanaises\/\"\/>\n      <figcaption class=\"legend\" itemprop=\"description\">\n      \t<div class=\"container\">\n        \tDevant une branche de la 5\u00e8me banque du Pakistan, le 24 juillet 2004 \u00e0 Islamabad. (AFP PHOTO\/Jewel SAMAD)        <\/div>\n      <\/figcaption>\n    <\/figure>\n  <\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tLes b\u00e9n\u00e9fices nets des cinq premi\u00e8res banques commerciales pakistanaises, Allied Bank, Habib Bank, Muslim Commercial Bank, National Bank et United Bank, ont grimp\u00e9 de 31 % en 2014. La part de march\u00e9 de ces banques s\u2019\u00e9l\u00e8ve \u00e0 58% et leur capitalisation repr\u00e9sente 72 % du secteur bancaire.  Elles ont engrang\u00e9 des b\u00e9n\u00e9fices nets de 111,3 milliards de roupies (1,1 milliard de dollars) par rapport \u00e0 84,7 milliards (0,80 milliard de dollars) sur l\u2019exercice pr\u00e9c\u00e8dent. Cette tendance a continu\u00e9 sur le premier trimestre 2015. Ainsi, Allied Bank et Muslim Commercial Bank ont affich\u00e9 des r\u00e9sultats en hausse de 30 % et 43,5 %, respectivement par rapport \u00e0 la p\u00e9riode correspondante de l\u2019exercice pr\u00e9c\u00e9dent.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tCes r\u00e9sultats contrastent avec la quasi-stagnation des avances entre 2008-2013, celles-ci n\u2019ayant augment\u00e9 que de 5% sur cette p\u00e9riode. Par contre, les investissements de ces banques ont accus\u00e9 une croissance de 32% sur la m\u00eame p\u00e9riode.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tEn fait, avec le creusement du d\u00e9ficit budg\u00e9taire de l\u2019Etat depuis la crise \u00e9conomique de 2008, le gouvernement a de plus en plus recours aux emprunts aupr\u00e8s des banques commerciales. Au lieu de leur m\u00e9tier de base qu\u2019est le financement du commerce, de l\u2019industrie et de l\u2019agriculture, les banques canalisent leurs investissements dans des titres d\u2019Etat, particuli\u00e8rement les d\u00e9p\u00f4ts \u00e0 terme \u2013 Pakistan Investment Bonds (PIB). Cela occasionne moins de frais et le taux d\u2019int\u00e9r\u00eat est fort lucratif. En effet, le gouvernement a port\u00e9 le taux d\u2019int\u00e9r\u00eat sur le PIB \u00e0 11,8 % en 2014 par rapport \u00e0 9,9 % en 2013. Dans les 9 premiers mois de 2014, ces banques ont investi 1275 milliards de roupies (12 milliards de dollars) dans les PIB qui repr\u00e9sentent 27 % de leurs d\u00e9p\u00f4ts. En 2013, ces investissements repr\u00e9sentaient seulement 9 % de leurs d\u00e9p\u00f4ts.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tD\u00e9sormais les investissements des banques d\u00e9passent leurs avances. Dans les six d\u00e9cennies jusqu\u2019\u00e0 2011, le total des avances bancaires \u00e9tait plus \u00e9lev\u00e9 que leurs investissements, mais la situation est maintenant inverse. L\u2019\u00e9cart entre les avances et les investissements qui \u00e9tait de 75,2 % en 2008, est descendu \u00e0 61,6 % en 2009, \u00e0 52,2 % en 2012 puis \u00e0 48,2 % en 2014.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tLa banque centrale, State Bank, notait dans sa \u00ab\u00a0Financial Stability Review 2011 \u00a0\u00bb que <em>\u00ab\u00a0les banques commerciales sont devenues la source majeure du financement du d\u00e9ficit budg\u00e9taire, car le gouvernement a chang\u00e9 de source de cr\u00e9dit en empruntant aux banques priv\u00e9es au lieu de la banque centrale. Le niveau \u00e9lev\u00e9 du d\u00e9ficit budg\u00e9taire est une aubaine pour le secteur bancaire.\u00a0\u00bb<\/em> \t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tLes banques ne partagent pas leurs b\u00e9n\u00e9fices avec  les d\u00e9posants m\u00eame si les r\u00e8glements de la State Bank les y astreignent. Selon ces r\u00e8glements, toutes les banques fonctionnant au Pakistan y compris les banques \u00e9trang\u00e8res, ne doivent accepter des d\u00e9p\u00f4ts en roupies que sur la base de PLS (Profit &#038; Loss Sharing) sauf pour les comptes courants. Mais les banques maintiennent un \u00e9cart important entre les taux d\u00e9biteurs et cr\u00e9diteurs. Alors que leurs b\u00e9n\u00e9fices ont vari\u00e9 entre 25,4 et 33,5 % en 2012, ces banques n\u2019ont vers\u00e9 qu\u2019un int\u00e9r\u00eat de 6% aux titulaires des comptes PLS.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tEn 2014, le Pakistan comptait 37,9 millions de comptes bancaires. Le montant total des d\u00e9p\u00f4ts atteignait, quant \u00e0 lui, 8052 milliards de roupies, tandis que le nombre d\u2019emprunteurs s\u2019\u00e9levait \u00e0 3,2 millions, ce qui repr\u00e9sentait seulement 8,4 % des d\u00e9posants. Mais 65 000 emprunteurs (2 % des emprunteurs) avaient b\u00e9n\u00e9fici\u00e9 d\u2019emprunts s\u2019\u00e9levant \u00e0 3410 milliards de roupies (84 % des avances). Autrement dit, le secteur bancaire prive les \u00e9pargnants de leurs b\u00e9n\u00e9fices pour pr\u00eater aux riches. Les banques islamiques ne font pas mieux. La State Bank dans son \u00ab\u00a0Strategic Plan 2014-18\u00a0\u00bb admet que <em>\u00ab\u00a0les banques islamiques ne se conforment pas aux injonctions de la charia de partager les risques et les b\u00e9n\u00e9fices\u00a0\u00bb<\/em>.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tCependant, en pratique, la State Bank ne joue pas son r\u00f4le du gardien des int\u00e9r\u00eats publics pour ce qui est de l\u2019activit\u00e9 bancaire en laissant aller. L\u2019\u00e9conomiste Shahid Hassan Siddiqui notait dans un article dans le quotidien des affaires <em>Business Recorder :<\/em> <em>\u00ab\u00a0Il est admis par tous les \u00e9conomistes que le d\u00e9ficit fiscal est la m\u00e8re de tous les maux. Il doit \u00eatre pr\u00e9venu en contr\u00f4lant l\u2019\u00e9vasion fiscale et en r\u00e9duisant les d\u00e9penses non-productives. Donc il est malheureux que la State Bank facilite les banques dans leur financement du d\u00e9ficit fiscal en leur l\u00e2chant des liquidit\u00e9s.\u00a0\u00bb<\/em>\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" style=\"background:#d9463d; padding:20px 20px 30px 20px; text-align:center; border-radius:8px;\">\n\t\t<h3 style=\"color:#fff; font-weight:700;\">Soutenez-nous !<\/h3>\n\t\t<p style=\"color:#fff; font-size:0.8em; line-height:1.5em; margin-bottom:30px;\">Asialyst est con\u00e7u par une \u00e9quipe compos\u00e9e \u00e0 100 % de b\u00e9n\u00e9voles et gr\u00e2ce \u00e0 un r\u00e9seau de contributeurs en Asie ou ailleurs, journalistes, experts, universitaires, consultants ou anciens diplomates... Notre seul but : partager la connaissance de l'Asie au plus large public.<\/p>\n\t\t<a href=\"https:\/\/www.helloasso.com\/associations\/les-amis-d-asialyst\/formulaires\/1\" target=\"_blank\" style=\"display:inline; background:#fff; padding:10px 25px; font-weight:700; border-radius:4px; color:#000; font-size:0.9em;\">Faire un don<\/a>\n\t<\/div>\n<\/div>\n<div class=\"container\">\n\t<div class=\"tags\">\n\t\t<h5>Tags de l'article<\/h5>\n\t\t<ul><li><a href=\"https:\/\/asialyst.com\/fr\/tag\/asie-du-sud\/\" rel=\"tag\">Asie du Sud<\/a><\/li><li><a href=\"https:\/\/asialyst.com\/fr\/tag\/banque\/\" rel=\"tag\">banque<\/a><\/li><li><a href=\"https:\/\/asialyst.com\/fr\/tag\/pakistan\/\" rel=\"tag\">Pakistan<\/a><\/li><\/ul><ul>\t<\/ul><\/div>\n<\/div>\n\n\t\t<div class=\"social-sharing ss-social-sharing\">\r\n\t\t\t\t        <a onclick=\"return ss_plugin_loadpopup_js(this);\" rel=\"external nofollow\" class=\"ss-button-facebook\" href=\"http:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fasialyst.com%2Ffr%2F2015%2F08%2F21%2Fbenefices-record-des-banques-pakistanaises%2F\" target=\"_blank\">Share on Facebook<\/a><a onclick=\"return ss_plugin_loadpopup_js(this);\" rel=\"external nofollow\" class=\"ss-button-twitter\" href=\"http:\/\/twitter.com\/intent\/tweet\/?text=B%C3%A9n%C3%A9fices+record+des+banques+pakistanaises&url=https%3A%2F%2Fasialyst.com%2Ffr%2F2015%2F08%2F21%2Fbenefices-record-des-banques-pakistanaises%2F&via=asialyst\" target=\"_blank\">Share on Twitter<\/a><a onclick=\"return ss_plugin_loadpopup_js(this);\" rel=\"external nofollow\" class=\"ss-button-linkedin\" href=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fasialyst.com%2Ffr%2F2015%2F08%2F21%2Fbenefices-record-des-banques-pakistanaises%2F&title=B%C3%A9n%C3%A9fices+record+des+banques+pakistanaises\" target=\"_blank\">Share on Linkedin<\/a><a onclick=\"return ss_plugin_loadpopup_js(this);\" rel=\"external nofollow\" class=\"ss-button-pinterest\" href=\"http:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fasialyst.com%2Ffr%2F2015%2F08%2F21%2Fbenefices-record-des-banques-pakistanaises%2F&media=https%3A%2F%2Fasialyst.com%2Ffr%2Fwp-content%2Fuploads%2F2015%2F08%2FPAKISTAN-ALLIED-BANK-300x194.jpg&description=B%C3%A9n%C3%A9fices+record+des+banques+pakistanaises\" target=\"_blank\">Share on Pinterest<\/a>\t        \t    <\/div>\r\n\t    \n<div class=\"container\">\n\t<div class=\"auteurs-a-propos\">\n\t\t<h5>A propos de l'auteur<\/h5>\n\t\t\t\t\t<div class=\"author\">\n\t\t\t\t<img data-del=\"avatar\" src='https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/Hidayat-Hussain-150x150.jpg' class='avatar pp-user-avatar avatar-150wp-user-avatar wp-user-avatar-150 photo ' height='150' width='150'\/>\t\t\t\t<div class=\"infos\">\n\t\t\t\t\t<div class=\"name\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/asialyst.com\/fr\/auteur\/hidayat-hussain\/\">\n\t\t\t\t\t\t\tHidayat Hussain\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"description\">\n\t\t\t\t\t\tHidayat Hussain est diplom\u00e9 en sociologie de l'universit\u00e9 de Paris\r\nVIII (facult\u00e9 de Vincennes de l'\u00e9poque). Il a enseign\u00e9 le fran\u00e7ais \u00e0\r\nKarachi et a \u00e9t\u00e9 responsable d'etudes au Service Economique francais\r\nde Karachi. Il est l'auteur d'une anthologie de la poesie pakistanaise\r\nen francais \"Ce soir oppressant n'en finit pas de finir\".Il est\r\nactuellement coordinateur du Centre des Sciences Sociales de Karachi\r\n(CSSK).\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n[asl-front-abonnez-vous]\n<div class=\"block3news\">\n\t<div class=\"container\">\n\t\t<div class=\"recommand\">\n\t\t\t<h5>On vous recommande<\/h5>\t\t\t<ul class=\"row\">\n\t\t\t\t<li class=\"col-md-6 col-sm-12 col-xs-12 news\"><a href=\"https:\/\/asialyst.com\/fr\/2015\/07\/24\/pakistan-comment-etre-chretien-a-peshawar\/\"><span class=\"photo\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/07\/PAKISTAN-EGLISE-1024x768-600x400.jpg\" class=\"img-responsive wp-post-image\" alt=\"La communaut\u00e9 chr\u00e9tienne de Peshawar c\u00e9l\u00e8bre No\u00ebl dans l\u2019Eglise de Tous les Saints le 25 d\u00e9cembre 2014. Le 16 d\u00e9cembre, une attaque des Talibans pakistanais avait fait 148 morts dont 132 enfants. Le 22 septembre 2013, deux attentats suicides \u00e0 l\u2019explosif avait vis\u00e9 l\u2019Eglise de Tous les Saints : 127 morts et 250 bl\u00e9ess\u00e9s (Cr\u00e9dit : CITIZENSIDE\/MUSARRAT ULLAH\/AFP)\" srcset=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/07\/PAKISTAN-EGLISE-1024x768-600x400.jpg 600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/07\/PAKISTAN-EGLISE-1024x768-300x200.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><span class=\"info\"><span class=\"metadata category category-\">Soci\u00e9t\u00e9<\/span><h4>Pakistan : comment \u00eatre chr\u00e9tien \u00e0 Peshawar ?<\/h4><\/span><\/a><\/li><li class=\"col-md-6 col-sm-12 col-xs-12 news\"><a href=\"https:\/\/asialyst.com\/fr\/2015\/05\/07\/pourquoi-le-pakistan-refuse-de-s-engager-au-yemen\/\"><span class=\"photo\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/PAKISTAN-SHARIF-SAARC1-600x400.jpg\" class=\"img-responsive wp-post-image\" alt=\"Photo du premier ministre Pakistanais\" srcset=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/PAKISTAN-SHARIF-SAARC1-600x400.jpg 600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/PAKISTAN-SHARIF-SAARC1-300x200.jpg 300w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/PAKISTAN-SHARIF-SAARC1.jpg 1024w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2015\/05\/PAKISTAN-SHARIF-SAARC1-900x600.jpg 900w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><span class=\"info\"><span class=\"metadata category category-\">Politique<\/span><h4>Pourquoi le Pakistan refuse de s\u2019engager au Y\u00e9men<\/h4><\/span><\/a><\/li>\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"container\">\n\t<div class=\"comments\">\n\t\t\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Plut\u00f4t que de financer le commerce ou l\u2019industrie, les banques pr\u00eatent \u00e0 l\u2019Etat en d\u00e9ficit et favorisent les riches emprunteurs.<\/p>\n","protected":false},"author":33,"featured_media":3652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[4,262,117],"class_list":["post-3650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","tag-asie-du-sud","tag-banque","tag-pakistan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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