{"id":1376,"date":"2021-06-18T14:30:33","date_gmt":"2021-06-18T14:30:33","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=1376"},"modified":"2021-06-18T20:23:12","modified_gmt":"2021-06-18T20:23:12","slug":"stabilite-financiere-trois-banques-publiques-font-face-a-des-problemes-de-capital-et-de-rentabilite-de-longue-date","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=1376","title":{"rendered":"Stabilit\u00e9 financi\u00e8re : Trois banques font face \u00e0 des probl\u00e8mes de capital et de rentabilit\u00e9"},"content":{"rendered":"<p>Le fonds mon\u00e9taire international a d\u00e9plor\u00e9, dans un rapport que nous avons visit\u00e9 et concernant le S\u00e9n\u00e9gal, l\u2019existence de trois banques en difficult\u00e9. Il s&rsquo;agit selon nos sources de la Banque r\u00e9gionale des march\u00e9s, de la Banque des institutions mutualistes d&rsquo;Afrique de l&rsquo;ouest (BIMAO) et de la banque agricole. Mais concernant cette derni\u00e8re, l&rsquo;Etat a selon nos sources titrisait ses cr\u00e9ances toxiques. Pour les deux premi\u00e8res, la situation est plus difficiles. Elles seraient selon toujours nos sources \u00e0 la recherche d&rsquo;un repreneur. Elles\u00a0 font \u00a0 face \u00e0 des probl\u00e8mes de capital et de rentabilit\u00e9 depuis longtemps. Pourtant constate\u00a0 le Fmi \u00ab\u00a0\u2019il y a <strong>un <\/strong>syst\u00e8me bancaire qui semble globalement sain, toutefois \u00ab\u00a0avec \u00a0des poches de vuln\u00e9rabilit\u00e9s\u00a0\u00bb. Les services du FMI ont encourag\u00e9 les autorit\u00e9s s\u00e9n\u00e9galaises \u00e0 donner suite \u00e0 leurs engagements de restaurer le capital des banques concern\u00e9es, conjugu\u00e9s \u00e0 des efforts pour renforcer leur gouvernement d&rsquo;entreprise et repenser leurs mod\u00e8les \u00e9conomiques.<\/p>\n<p>Par ailleurs, d\u2019apr\u00e8s l\u2019institution financi\u00e8re internationale, la r\u00e9forme institutionnelle visant \u00e0 s\u00e9parer Poste Finance du groupe postal (SN La Poste) et \u00e0 le transformer en une institution financi\u00e8re a connu des retards importants. Une attention renouvel\u00e9e devrait \u00eatre port\u00e9e \u00e0 la gouvernance du groupe postal et au changement institutionnel des finances de la Poste afin de minimiser les risques budg\u00e9taires selon les services du Fonds. Toujours\u00a0 selon ce rapport du Fmi, la situation des institutions de micro finance, au S\u00e9n\u00e9gal, s\u2019est aggrav\u00e9e, avec la pand\u00e9mie de la COVID 19. M\u00eame si, pr\u00e9cise-t-on dans le meme rapport qu&rsquo;une image claire de l&rsquo;ampleur des pertes n&rsquo;est pas encore disponible. Ils ont recommand\u00e9 d&rsquo;entreprendre un diagnostic approfondi des institutions de micro finance une fois la crise apais\u00e9e. Dans l&rsquo;intervalle, les autorit\u00e9s devraient selon le rapport du Fmi renforcer la surveillance, notamment en assurant une d\u00e9claration compl\u00e8te des mesures d&rsquo;all\u00e8gement accord\u00e9es aux clients et de leur impact sur les bilans. Les institutions de micro finance en difficult\u00e9 devraient \u00eatre soumises \u00e0 certaines restrictions, par exemple\u00a0 \u00a0sur les paiements de dividendes ou l&rsquo;activit\u00e9 de pr\u00eat et de d\u00e9p\u00f4t recommande le fonds mon\u00e9taire international.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le fonds mon\u00e9taire international a d\u00e9plor\u00e9, dans un rapport que nous avons visit\u00e9 et concernant le S\u00e9n\u00e9gal, l\u2019existence de trois banques en difficult\u00e9. Il s&rsquo;agit&#8230;<\/p>\n","protected":false},"author":3,"featured_media":675,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,8],"tags":[],"class_list":["post-1376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualite-economique","wpcat-23-id","wpcat-8-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00b2\u00b2\u00b2Stabilit\u00e9 financi\u00e8re : Trois banques font face \u00e0 des probl\u00e8mes de capital et de rentabilit\u00e9 - challenges economiques<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/challengeseconomiques.com\/?p=1376\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00b2\u00b2\u00b2Stabilit\u00e9 financi\u00e8re : Trois banques font face \u00e0 des probl\u00e8mes de capital et de rentabilit\u00e9 - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"Le fonds mon\u00e9taire international a d\u00e9plor\u00e9, dans un rapport que nous avons visit\u00e9 et concernant le S\u00e9n\u00e9gal, l\u2019existence de trois banques en difficult\u00e9. 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