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2016 ANNUAL REPORT 91 AGENCES I BRANCHES Aux Côtés Du Client Dans 91 Agences Et Guichets Implantés Dans 20 Des 26 Provinces De La RDC

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2016 ANNUAL REPORT 91 AGENCES I BRANCHES Aux Côtés Du Client Dans 91 Agences Et Guichets Implantés Dans 20 Des 26 Provinces De La RDC RAPPORT ANNUEL 2016 ANNUAL REPORT 91 AGENCES I BRANCHES Aux côtés du client dans 91 agences et guichets implantés dans 20 des 26 provinces de la RDC Accompanying our customers with 91 branches and sub-branches across 20 of the 26 provinces of the DRC Best Bank in the DR Congo AFRICAN 2011 to 2016 BANKING AWARDS Best Product Launch Africa 2016 2016 DES MATIÈRES TABLE OF CONTENT 30. 66. COUVERTURE RAPPORT D’ACTIVITÉS LE RAPPORT COVER ACTIVITY REPORT FINANCIER FINANCIAL La synthèse de cinq années de Introduction .................................................... 32 consolidation de l’équilibre financier Introduction ..................................................... 32 STATEMENTS Synthesis of five years of consolidation of the financial Le développement continu Bilans actifs ....................................................68 standing du réseau d’agences .............................. 33 Assets ..................................................................68 The on-going development Bilans passifs ................................................69 of the branch network ...........................36 Liabilities ............................................................69 PEPELE Mobile et son réseau Tableau de formation d’agents indépendants ........................39 du résultat ....................................................... 70 PEPELE Mobile and its network Income statement ...................................... 70 of independent agents ...........................43 2. Tableau de flux de trésorerie ............ 71 Cash flow statement ................................. 71 L’ÉDITO État de variation EDITORIAL des capitaux propres ............................. 72 Statement of changes Le message du président in shareholders’ equity ........................... 72 de la banque .................................................... 2 Rapport du A message from commissaire aux comptes ..................74 the Chairman of the Bank ....................... 4 Auditor’s report ............................................ 76 48. WE ARE THE FUTURE 78. 6. We are the future .................................... 50 Le Monde des Flamboyants LE RÉSEAU LA BANQUE Vitrine de l’art congolais ...................... 52 THE NETWORK THE BANK Le Monde des Flamboyants Display of Congolese Art .................... 54 Le bureau de Le message de l’administrateur représentation à Bruxelles ................80 Bismack Biyombo et directeur général .................................... 8 Une star qui n’oublie Les banquiers correspondants .......80 A message from the Chief pas ses racines ........................................... 56 The Brussels Executive Officer ...........................................11 Bismack Biyombo representative office .................................81 A star who does not L’analyse financière ..................................13 Correspondent banks ..............................81 ............................................. 58 Financial overview ...................................... 15 forget his roots Le réseau d’agences Malaika La gouvernance de la TMB ................ 17 et guichets ....................................................... 82 L’éducation des filles ...............................60 The network of branches Le comité de gestion .............................. 22 Malaika and sub-branches ...................................... 82 The Management Committee ........ 22 The education of girls .............................. 62 LA TMB et les médias sociaux ........84 Governance at TMB ................................ 26 Amani Festival ............................................64 TMB and social media ............................84 LA SYNTHÈSE I SYNTHESIS DE CINQ ANNÉES DE CONSOLIDATION DE L’ÉQUILIBRE FINANCIER OF FIVE YEARS OF CONSOLIDATION OF THE FINANCIAL STANDING EN MILLIERS DE / IN THOUSANDS OF CDF USD EN USD / IN USD 2012 2013 2014 2015 2016 2016 2016/2015 L'ACTIVITÉ EN 7 REPÈRES 7 BENCHMARKS OF THE BUSINESS 1. Total bilantaire 361 241 590 449 730 465 532 785 677 576 173 387 686 556 555 564 793 -9% Total assets 2. Dépôts collectés 309 260 299 396 047 439 471 273 333 509 015 474 592 773 742 487 643 -11% Total deposits dont : / of which : • Dépôts à vue 230 561 023 292 247 071 347 718 427 354 498 146 392 106 782 322 565 -16% Sight deposits • Dépôts à terme et comptes d’épargne 78 699 276 103 800 368 123 554 906 154 517 328 200 666 960 165 078 -1% Fixed term deposits and savings accounts 3. Crédits à décaissement 122 299 944 194 102 293 183 723 870 203 002 455 280 090 000 230 415 +5% Disbursed loans 4. Nombre d'agences et guichets* 56 67 74 84 91 Number of branches and sub-branches* 5. Nombre d'emplois* 787 912 1 219 1 177 1 197 Number of employees* 6. Nombre de comptes* 261 666 464 937 596 919 881 351 1 246 547 Number of accounts* 7. Investissements nets 32 192 725 32 801 050 32 120 488 36 474 931 44 201 220 36 362 -7% Net investments * En unités / in units FONDS PROPRES RÈGLEMENTAIRES 36 763 601 44 639 614 52 964 509 58 922 810 73 114 410 60 147 -5% REGULATORY CAPITAL LES RESULTATS / RESULTS Produit net bancaire 23 813 716 40 865 773 49 231 302 46 180 006 49 440 048 40 672 -18% Net banking income Frais généraux 23 510 849 28 293 266 31 747 061 34 178 160 43 791 169 36 025 -2% Operating expenses Résultat brut d'exploitation 2 651 509 14 950 578 19 640 590 14 184 917 11 748 690 9 665 -37% Gross operating profit Dotations annuelles aux amortissements 2 299 081 2 582 845 3 038 471 3 299 943 3 492 649 2 873 -19% Provision for amortisation Résultat net 1 067 638 6 260 945 9 587 155 5 851 189 656 939 540 -91% Net profit COURS DE CHANGE CDF/USD 915,1747 925,5033 924,5090 927,9151 1 215,5887 EXCHANGE RATE 2012 2013 2014 2015 2016 LES PRINCIPAUX RATIOS PRINCIPAL RATIOS Coefficient d'exploitation (CIR) 99% 69% 64% 74% 89% Cost income ratio Coefficient de rentabilité (ROE) 3% 14% 18% 10% 1% Return on equity (ROE) Coefficient de rendement des actifs (ROA) 0,3% 1,4% 1,8% 1,0% 0,1% Return on assets (ROA) Ratio de solvabilité (ROS) 20,0% 20,0% 21,5% 20,4% 19,9% Solvency ratio Norme Banque Centrale du Congo 2012 2013 2014 2015 2016 Central Bank of Congo Norm PRINCIPAUX RATIOS PRUDENTIELS PRINCIPAL PRUDENTIAL RATIOS Solvabilité du noyau dur >7% 11% 12% 15% 15,2% 15,4% Base solvency (Tier 1 capital ratio) Solvabilité générale General solvency >10% 20% 20% 21,5% 20,4% 19,9% (Tier 1+2 capital ratio) Coefficient de liquidité >100% 122% 117% 144% 112% 112,8% Liquidity coefficient Coefficient de transformation >80% 231% 408% 509% 246% 271,8% Conversion coefficient Coefficient de couverture des immobilisations >100% 114% 140% 168% 162% 169,9% Coefficient for hegding tangible assets Total du bilan / Balance sheet * 2016 2014 2015 2013 2012 361 241 590 449 730 465 532 785 677 576 173 387 686 556 555 Crédits à décaissement / Disbursed loans * 2012 2013 2014 2015 2016 122 299 944 194 102 293 183 723 870 203 002 455 280 090 000 Dépôts collectés / Total deposits * 2016 592 773 742 2015 509 015 474 2014 471 273 333 2013 396 047 439 2012 309 260 299 Fonds propres réglementaires Nombre de comptes Regulatory capital * Number of accounts 73 114 410 2016 58 922 810 1 246 547 52 964 509 44 639 614 2015 36 763 601 881 351 2014 596 919 2013 2012 464 937 261 666 2012 2013 2014 2015 2016 *En milliers de CDF / In thousands CDF L’ÉDITO DU RAPPORT ANNUEL 2016 En préambule à mon propos, comme vous le savez, les rapports annuels de notre institution ont pour vocation d’être lus par le plus grand nombre et ne sont pas CHERS LECTEURS destinés aux seuls initiés de la banque et de la finance. La mise en forme, le style et l’ensemble des données contenues dans ce rapport ont pour but de familiariser ET CLIENTS ACTUELS chacun de nous avec un monde bancaire plus accessible. Une façon de plus de OU FUTURS, favoriser l’inclusion ! Il permet à nos clients et lecteurs de se faire une opinion sur la condition financière de la TMB et de s’informer sur sa fiabilité. Cette approche d’“éducation bancaire” permettra aussi aux novices de mieux appréhender les rapports d’activités et financiers des banques et de comprendre leur utilité. Cette année, il a pour toile de fond les œuvres commandées par la TMB à l’artiste Tsham, qui place notre art, dessiné au stylo à bille, dans les monuments du monde ! Bonne lecture à Tous ! Nous avions prédit en 2015, sans pour A la fin de l’année 2016, notre taille du autant être devins, que 2016 serait une bilan marque un reflux de 9% en valeurs année difficile. Le taux de croissance écono- exprimées en USD. Notre rentabilité affiche mique prévisionnel 2016 était porté à 6,6% un niveau faible, comparé à l’année précé- par la Banque Centrale du Congo et arrêté dente. Cependant, les crédits octroyés pour à 4,9% par le Fonds monétaire international. le financement de l’économie congolaise Il indiquait que la production nationale allait progressent de 5%. maintenir une dynamique positive en 2016, en dépit des tempêtes environnementales. L’année 2017 confirmera sans doute cette Quant à nous, nous avions anticipé un recul déprime généralisée liée tant à des fac- significatif de l’activité. Tous les indicateurs teurs externes, tels que la baisse des cours économiques nationaux et internationaux des métaux, qu’à des facteurs internes. Ces pointaient résolument vers cette tendance facteurs entraînent des réactions en chaîne au ralentissement de la vie économique de à plusieurs niveaux : la mise en berne notre cher pays. de l’économie locale, l’affaiblissement des activités de sous-traitance; la compression La croissance du produit intérieur
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