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Rapport Annuel Albaraka 2015.Pdf 1 SOMMAIRE Le Message du Président 3 Présentation de Mr. Adnan Ahmed Yousif .4 Les membres rale Ordinaire des Actionnaires . 5 La Banque 6 - Actionnaires - - - Comité Exécutif - Comité des Risques Membres de la Direction Générale Note de conjoncture 8 Faits saillants 2015 .9 Chiffres Clés 2015 Activités Bancaires .12 Ressources Humaines et Formation La Gouvernance .14 Responsabilité Sociale Contrôle, Conformité et maîtrise des risques - Contrôle et conformité - Risk Management Informations Comptables . - Bilan - Hors bilan - Comptes de résultats Informations Juridiques . 22 - Rapport de Certification des commissaires aux comptes - - Informations Générales . 25 - - - Réseau international -Baraka Banking Group « ABG » 2 Le Message du Président ème La Banque al B anniversaire de sa création. Les vingt cinq (25) années de fructueuses collaborations avec nos différents partenaires ont été fortes en enseignements et riches en événements. Première expérience, en Algérie, d' s Public - Privé étranger, et d'autre part dans le banking islamique. La Banque Al B des opérations Chariâ'a Compatible. La confiance et la fidélité de la clientèle envers la cessé de se développer. En effet, les fonds confiés par la clientèle enregistrent, en moyenne, une évolution annuelle entre 15 et 20 % et les porteurs de projets ont vu leur rêve se réaliser par la mise en place de financements adaptés et à des coûts comparatifs compétitifs. La création et le financement de centaines de projets constitue une grande satisfaction et pour la clientèle et pour la Banque mais aussi représente un acquis pour la ion des dépôts de la clientèle a atteint un niveau historique de 23%. Les financements à la faveur des mesures prises par les pouvoirs publics visant à encourager et inciter les investissements, ont eux aussi progressé de 19% dont une grande partie en faveur précisément des investissements de production de biens venant notamment en substitution aux importations. anque par une augmentation de son capital à 15 milliar de la qualité de ses services et une plus grande sécurisation des transactions bancaires. L e des produits. Je ne terminerai pas ce message, sans renouveler à nos chers partenaires, et au personnel de la Banque mes sincères remerciements pour leur contribution à la réussite enregistrée au cours des années qui viennent de à poursuivre leur collaboration afin de réaliser de nouveaux succès au bénéfice de 3 Présentation de Mr. Adnan Ahmed Yousif M. Adnan Ahmed Yousif est une personnalité marquante du monde bancaire avec plus de 39 ans United Kingdom. Il a exercé, pendant plus de 20 ans au sein M. Adnan Ahmed Yousif dirige Al Baraka Banking Group (ABG) depuis sa création. En sa qualité de Président M. Yousif a présidé le s Arabes, durant deux mandats (2007- 2013). en 2004 et 2009. Il a reçu une médaille pour son efficacité et un titre honorifique distinctif conféré par son Dubaï catégorie «Leadership dans le domaine bancaire », consécration Arabe de Développement Administratif, organisation affiliée à la Ligue Arabe, en coopération avec le prix « plus grands groupes Bancaires islamiques dans le monde. 4 Les Membres du Debouts de gauche à droite : Assis de gauche à droite M.Hamad Abdulla Ali Eqab M.Bekkar Salim M.El Metennani Rachid M.Mohamed Mohamed Tawfik El Maghribi M.Moudjari Redouane M.Djebbar Boualem M.Adnan Ahmed Yousif M.Hafid Mohamed Seddik M.Ameziani Ali M.Abdulrahman Shehab 5 LA BANQUE Actionnaires Al Baraka Banking Group Bahreïn 55,90% BADR » Algérie 44,10% M. Adnan Ahmed Yousif Président M. Djebbar Boualem Vice Président M. Mohamed Seddik Hafid Directeur Général et Administrateur Délégué Dr.Mohamed Mohamed Tawfik El Maghribi Membre M. Hamad Abdulla Ali Eqab Membre M. Abdulrahman Shehab Membre M. Bekkar Salim Membre M. Moudjari Redouane Membre M. Ameziani Ali Membre M. El Metennani Rachid Membre Dr. Mohamed Mohamed Tawfik El Maghribi Président M. Hamad Abdulla Ali Eqab Membre M. Moudjari Redouane Membre Comité Exécutif M. Mohamed Seddik Hafid Président M. Djebbar Boualem Membre M. Abdulrahman Shehab Membre Comité des Risques M. Abdulrahman Shehab Président M. Mohamed Seddik Hafid Membre M. Ameziani Ali Membre M. El Metennani Rachid Membre 6 Membres de la Direction Générale M.Hafid Mohamed Seddik Directeur Général et Administrateur Délégué M.Benflici Badreddine M.Boukassem Abderrahmane M.Kireche Ahmed DGA Exploitation et DGA Financement et Relations DGA Système Banque de Détail Internationales M.Hideur Nacer M.Rami Mohamed Secrétaire Général DGA Finance et Ressources Humaines 7 Note de Conjoncture des exportations et ce à la suite de la - 2014. contre 58,46 milliards de dollars US une année auparavant, soit une contraction de 43,41%. Les exportations hors hydrocarbures, qui demeurent faibles, ne de dollars soit en recul de 1,1% par rapport à 2014. Les importations qui ont connu un trend haussier ces dernières années ont elles aussi enregistré une baisse mais de moindre envergure soit 11,76% passant de 59,67 en 2014 à 52,65 milliards dollars US en 2015. Les aisse des prix de certains produits importés ont contribué à cette réduction. Cette situation a engendré, pour la première année, un déficit de la balance commerciale de 18 milliards de Le niveau des réserves de changes reste confortables à 144 Milliards de dollars US soit une couverture de 27 La dette extérieure à moyen et long terme reste insignifiante soit environ 0,72% du PIB qui a connu une croissance de 3,9% contre 3,8% en 2014. rêt accordé au financement des investissements. Les crédits à moyen et long terme, affectés par définition aux financements des investissements, ont connu une croissance de près de 17% et représentent 76,49% du portefeuille crédit des banques contre 75,27% en 2014. effets bénéfiques sur la préservation des fondamentaux de 8 FAITS SAILLANTS ce qui suit : - La mise en exploitation de la nouvelle centrale des risques concernant les entreprises et les ménages. - Le lancement de deux projets : Master Card et E-paiement. - Le r par agences. - mélioration du niveau de compétence et de e large population du personnel sur divers thèmes. - Le développement du financement orienté importations. - la commerce extérieur pour des raisons liées à la politique des autorités monétaires en matière de rationalisation des dépenses. - La création et , ainsi que le centre de formation IRFFI. 9 Evolution des chiffres Clés 2014 - 2015 En millions de DA Agrégats 2015 2014 Ecart en valeur Ecart en % Total bilan 193 573 162 772 30 801 18,92 Fonds propres 23 463 23 813 -350 -1,47 Dépôts 154 562 125 768 28 794 22,89 Financements 96 453 80 888 15 565 19,24 Hors Bilan 61 083 64 072 -2 989 -4,66 PNB 7 818 7 473 345 4,62 Net Résultat 4 108 4 307 -199 -4.62 Evolution des chiffres clés 250 000 200 000 150 000 2015 2014 100 000 50 000 0 Total bilan Fonds propres Dépôts Financements Hors Bilan PNB Net Résultat 10 Chiffres clés 2015 Total Bilan : de dinars correspondant à +18,92 % par rapport a 2014. Fonds Propres : Ils totalisent un montant de 23 463 millions de Dinars, contre 23 813 millions de Dinars, en 2014, enregistrant ainsi une légère baisse de -350 millions de Dinars correspondant à -1,47 % par rapport à 2014. Dépôts : Les ressources ont atteint un montant de 154 562 millions Dinars, enregistrant ainsi un accroissement de 28 794 millions de Dinars correspondant à +22,89% par rapport a 2014. Financements : Les financements ont augmenté de 15 566 millions de Dinars correspondant à +19,24% par rapport à Hors Bilan : 083 millions de Dinars, contre 64 072 millions de Dinars par rapport a 2014, enregistrant ainsi une baisse de -2 989 millions de dinars correspondant à -4,66%. Produit Net Bancaire : 818 millions de Dinars, contre 7 473 millions de Dinars pour Resultat Net : légère baisse de 199 millions de Dinars soit -4,61 %. 11 Activités Bancaires Financement des Entreprises 80,88 Milliard de Dinars à 96,45 Milliards de Dinars enregistrant ainsi un accroissement de 19,24%. Le financement de PME/PMI et de 8,20% Banque. Financement des Particuliers : nts aux particuliers a atteint 1,8 Milliard de Dinars . Affaires Internationales : emble de textes réglementaires visant à renforcer le sme et le transfert illicite de capitaux. entre autres : - Du Décret exécutif n° 15-58 du 08 février 2015 édictant les nouvelles modalités d'exercice de l'activité de concessionnaires. - De - qui limite désormais, depuis aout 2015, le niveau des engagements extérieurs des banques et établissements financiers à une fois les fonds propres réglementaires de la Banque. ées, réaménagements organisationnels mis en place, des actions de sensibilisation de formation et du rmation. 12 RESSOURCES HUMAINES ET FORMATION Les effectifs de la Banque à fin 2015 ont atteint 944 cadres et employés dont 356 au niveau des Structures Centrales et 588 Recrutement Le nombre des nouvelles recrues durant l'année 2015 s'élève à 79 agents. Formation est de 501 éléments sur un effectif de 944 cadres et employés, soit 53% une augmentation de 24,53%. Pour les formations diplômantes, le nombre total des inscrits aux différents cycles de formations ormation bancaire (IFB) est de 48 agents. En matière de formation continue, plusieurs séminaires et formations ont été dispensés en Algérie et ont touché 446 personnes pour 07 cadres. Ces formations ont couvert différents thèmes. en 2015, la Banque a pris en charge 08 stagiaires. 13 La Gouvernance Audit en 2004, un Conseil charia en 2008 et un Comité de Gestion n de la stratégie de la Banque. s: 1- 2- : Comité des Risques 3- : Conformité Contrôle interne Controle externe 14 Responsabilité Sociale a Sainte Charia Banque. Grâce, donc, à ses principes et son code de conduite, la Banque est pleinement engagée vis-à-vis de la société à laquelle elle appartient.
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