{"id":2941,"date":"2022-03-25T21:55:16","date_gmt":"2022-03-25T21:55:16","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=2941"},"modified":"2022-03-26T23:52:19","modified_gmt":"2022-03-26T23:52:19","slug":"reunion-du-conseil-national-du-credit-la-situation-du-systeme-bancaire-a-fin-decembre-2021","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=2941","title":{"rendered":"R\u00e9union du Conseil National du Cr\u00e9dit  La situation du syst\u00e8me bancaire \u00e0 fin d\u00e9cembre 2021"},"content":{"rendered":"<p><strong>Au cours de sa 35<sup>\u00e8me<\/sup> R\u00e9union, tenue le 24 mars 2022, le Conseil National du Cr\u00e9dit (CNC) a examin\u00e9 la situation du syst\u00e8me bancaire \u00e0 fin d\u00e9cembre 2021. <\/strong><\/p>\n<p><strong>\u00a0<\/strong>Celle-ci est marqu\u00e9e par une bonne tenue des principaux indicateurs gr\u00e2ce notamment aux mesures exceptionnelles prises par les Autorit\u00e9s nationales et la BCEAO pour soutenir la relance de l&rsquo;activit\u00e9 \u00e9conomique et limiter l\u2019impact de la Covid-19.Ainsi, sur la base des statistiques provisoires arr\u00eat\u00e9es \u00e0 fin d\u00e9cembre 2021, les emplois bancaires ont progress\u00e9 en glissement annuel de 1.076,2 milliards (+14,1%), r\u00e9partis principalement entre les cr\u00e9dits (+591,2 milliards ; +11,6%) et l\u2019activit\u00e9 de portefeuille des banques sur les titres publics (+397,5 milliards ; +20,1%).<\/p>\n<p>Le ratio des cr\u00e9ances en souffrances nettes, rapport\u00e9es au total des cr\u00e9dits, s\u2019est \u00e9tabli \u00e0 4,0% \u00e0 fin d\u00e9cembre 2021 contre 4,7% un an plus t\u00f4t, selon un communiqu\u00e9 de la Direction Nationale de la BCEAO.<\/p>\n<p>En mati\u00e8re prudentielle, la situation des \u00e9tablissements de cr\u00e9dits est globalement satisfaisante avec un ratio de solvabilit\u00e9 total de 12,0%. En termes de rentabilit\u00e9 sur l\u2019exercice 2021, les chiffres provisoires disponibles font ressortir un redressement sensible.<\/p>\n<p><strong>D\u00e9cision du Comit\u00e9 de Politique Mon\u00e9taire de la BCEAO<\/strong><\/p>\n<p><strong>\u00a0<\/strong>Concernant le secteur de la microfinance, les indicateurs d\u2019activit\u00e9s restent, en glissement annuel \u00e0 fin d\u00e9cembre 2021, sur une tendance haussi\u00e8re pour les Syst\u00e8mes Financiers D\u00e9centralis\u00e9s de grande taille (article 44 de la Loi sur les SFD) aussi bien pour les d\u00e9p\u00f4ts (407 milliards ; + 11,4%) que les cr\u00e9dits (464 milliards ; +7,3%). La situation prudentielle s\u2019est globalement am\u00e9lior\u00e9e, des efforts \u00e9tant, toutefois, toujours attendus en mati\u00e8re de niveau de capitalisation compatible avec leur activit\u00e9.<\/p>\n<p>Enfin, le Conseil National du Cr\u00e9dit a \u00e9t\u00e9 inform\u00e9 de la d\u00e9cision prise par le Comit\u00e9 de Politique Mon\u00e9taire de la BCEAO, lors de sa r\u00e9union trimestrielle tenue le 02 mars 2022.<\/p>\n<p>En effet, le Comit\u00e9 a d\u00e9cid\u00e9 de maintenir inchang\u00e9s le taux d&rsquo;int\u00e9r\u00eat minimum de soumission aux op\u00e9rations d&rsquo;appels d&rsquo;offres d&rsquo;injection de liquidit\u00e9 \u00e0 2,00% et le taux d&rsquo;int\u00e9r\u00eat du guichet de pr\u00eat marginal \u00e0 4,00% (les niveaux en vigueur depuis le 24 juin 2020). Le coefficient de r\u00e9serves obligatoires applicable aux banques de l&rsquo;Union demeure inchang\u00e9 \u00e0 3,0%.<\/p>\n<p><strong>Birame GUENE<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au cours de sa 35\u00e8me R\u00e9union, tenue le 24 mars 2022, le Conseil National du Cr\u00e9dit (CNC) a examin\u00e9 la situation du syst\u00e8me bancaire \u00e0&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2942,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,8,10],"tags":[],"class_list":["post-2941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualite-economique","category-infos-eco","wpcat-23-id","wpcat-8-id","wpcat-10-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9union du Conseil National du Cr\u00e9dit La situation du syst\u00e8me bancaire \u00e0 fin d\u00e9cembre 2021 - 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