Annexe 4 LES CHARGES

Désignation 2009 2010 2011 2012

Charges Salariales

2 Gérants 900,000 1,800,000 1,980,000 2,178,000

2 Agents de crédit 720,000 1,440,000 1,584,000 1,742,400

2 Caissiers 600,000 1,200,000 1,320,000 1,452,000

2 Gardiens 360,000 720,000 792,000 871,200

1 Secrétaire 720,000 1,440,000 1,584,000 1,742,400

3,300,000 6,600,000 7,260,000 7,986,000

Charges sociales (25%) 825,000 1,650,000 1,815,000 1,996,500

7,425,000 14,850,000 16,335,000 17,968,500

Action de Formation 1,200,000 1,200,000 1,200,000

Charges Financières

Epargne à terme Personnes Morales 3,750,000 10,000,000 12,500,000 15,000,000

Epargne à terme Personnes Physiques 6,750,000 15,000,000 17,500,000 20,000,000

10,500,000 25,000,000 30,000,000 35,000,000

Intérêts sur Epargne ( 2,5%) 131,250 625,000 750,000 8,750,000

Autres Charges de Gestion

Loyer et Chares locatives 300,000 600,000 600,000 600,000

Entretien et Répartion 1,200,000 2,400,000 2,400,000 2,400,000

Frais de télécommunication 250,000 500,000 550,000 600,000

Eau et Electricité 200,000 400,000 450,000 500,000

Transport et déplacement 300,000 600,000 700,000 750,000

2,250,000 4,500,000 4,700,000 4,850,000

Amortissement

Provisions pour créances douteuses 350,000 700,000 750,000 750,000

( 0,75 de crédits en cours au taux de 40%) 750,000 1,500,000 2,000,000 3,000,000

9,856,250 18,875,000 21,035,000 30,468,500