{"id":3002,"date":"2022-04-03T16:17:27","date_gmt":"2022-04-03T16:17:27","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=3002"},"modified":"2022-04-03T16:20:28","modified_gmt":"2022-04-03T16:20:28","slug":"produit-net-bancaire-marge-nette-dinterets-ecobank-detaille-les-resultats-audites-de-lexercice-2021","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=3002","title":{"rendered":"Produit net bancaire, marge nette d\u2019int\u00e9r\u00eats, . . . Ecobank d\u00e9taille les r\u00e9sultats audit\u00e9s de l\u2019exercice 2021"},"content":{"rendered":"

Ade Ayeyemi, DG Groupe Ecobank <\/strong><\/p>\n

Le groupe Ecobank a rendu public le rapport relatif \u00e0 ses r\u00e9sultats audit\u00e9s de l\u2019exercice 2021. Dans ce document, les responsables de la banque d\u00e9taillent le r\u00e9sultat avant imp\u00f4t, le produit net bancaire, la marge nette d\u2019int\u00e9r\u00eats, les revenus hors int\u00e9r\u00eats ainsi que les charges. <\/strong><\/p>\n

\u00a0<\/strong>\u00ab\u00a0Le r\u00e9sultat avant imp\u00f4t s\u2019\u00e9tablit \u00e0 478 millions $EU, en augmentation de 304 millions $EU (+174 %)\u00a0\u00bb, renseigne le communiqu\u00e9 de Ecobank, retra\u00e7ant les r\u00e9sultats de l\u2019exercice 2021.<\/p>\n

Toutefois, pr\u00e9cise-t-on, apr\u00e8s retraitement de la charge exceptionnelle de 164 millions $EU au titre du goodwill en 2020, l\u2019augmentation du r\u00e9sultat avant imp\u00f4t est de 140 millions $, soit 41 %.<\/p>\n

D\u2019apr\u00e8s les responsables de la banque, le produit net bancaire (r\u00e9sultat d\u2019exploitation) atteint 1,8 milliard $EU, en hausse de 77 millions $EU (+5 %), gr\u00e2ce \u00e0 une hausse de 37 millions $EU (+4 %) des produits d\u2019int\u00e9r\u00eats nets et de 40 millions $EU (+5 %) des produits hors int\u00e9r\u00eats.<\/p>\n

Hors impact du taux de change, le produit net bancaire augmente de 93 millions $EU. Cela t\u00e9moigne, selon les banquiers, des avantages de leur mod\u00e8le d\u2019exploitation diversifi\u00e9 et des investissements continus dans les ressources humaines, la technologie et les processus.<\/p>\n

Produits d\u2019int\u00e9r\u00eats<\/strong><\/p>\n

\u00a0<\/strong>La marge nette d\u2019int\u00e9r\u00eats s\u2019\u00e9l\u00e8ve \u00e0 944 millions $EU, soit une hausse de 37 millions $EU ou 4 %. Les produits d\u2019int\u00e9r\u00eats augmentent de 83 millions $EU (+6 %). Selon le groupe bancaire, ce r\u00e9sultat est obtenu principalement gr\u00e2ce \u00e0 la hausse des produits d\u2019int\u00e9r\u00eats sur les soldes des titres de placement et \u00e0 la croissance, modeste, des pr\u00eats au sein des portefeuilles de la Banque des particuliers et de la Banque commerciale, partiellement compens\u00e9e par la contraction de la marge nette d\u2019int\u00e9r\u00eats.<\/p>\n

Les charges d\u2019int\u00e9r\u00eats augmentent de 46 millions $EU (+10 %), en raison de l\u2019impact prononc\u00e9 de la hausse des co\u00fbts de financement. En cons\u00e9quence, la marge nette d\u2019int\u00e9r\u00eats diminue l\u00e9g\u00e8rement \u00e0 5,1 % contre 5,3 % en 2020. Le taux d\u2019int\u00e9r\u00eat moyen r\u00e9mun\u00e9rant toutes les sources de financement s\u2019est am\u00e9lior\u00e9 \u00e0 2,3 %, contre 2,4 % en 2020, en raison d\u2019un meilleur mix des d\u00e9p\u00f4ts.<\/p>\n

Les revenus hors int\u00e9r\u00eats s\u2019\u00e9l\u00e8vent \u00e0 812 millions $EU, soit une hausse de 40 millions $EU ou 5 %, annoncent les dirigeants de Ecobank.<\/p>\n

Les produits nets des honoraires et commissions augmentent de 62 millions $EU (+16 %), \u00e0 451 millions $EU. Ils sont port\u00e9s par la hausse des frais de gestion de tr\u00e9sorerie, l\u2019augmentation des volumes de d\u00e9penses sur les cartes de d\u00e9bit et pr\u00e9pay\u00e9es et les frais li\u00e9s au cr\u00e9dit, dans un contexte de rebond de l\u2019activit\u00e9 \u00e9conomique sur la plupart de nos march\u00e9s.<\/p>\n

Revenus hors int\u00e9r\u00eats<\/strong><\/p>\n

\u00a0<\/strong>Les revenus nets de trading diminuent de 51 millions $EU (-15 %), \u00e0 296 millions $EU, principalement en raison d\u2019une forte r\u00e9duction des commissions sur op\u00e9rations de change effectu\u00e9es par la client\u00e8le, d\u00e9taille Ecobank.<\/p>\n

Les autres produits, d\u2019un montant de 65 millions $EU, augmentent de 28 millions $EU (+75 %) gr\u00e2ce \u00e0 la vente d\u2019actifs non strat\u00e9giques et de produits de dividendes associ\u00e9s aux entit\u00e9s d\u00e9tenues de certaines de nos filiales. En cons\u00e9quence, la contribution des revenus hors int\u00e9r\u00eats aux revenus nets totaux (ratio NIR) s\u2019est l\u00e9g\u00e8rement am\u00e9lior\u00e9e, \u00e0 46,2 % contre 46 % en 2020.<\/p>\n

Les charges s\u2019\u00e9l\u00e8vent \u00e0 1,0 milliard $EU, soit une baisse de 19 millions $EU ou 2 % (-2 % \u00e0 taux de change constant).<\/p>\n

Les charges de personnel reculent de 8 millions $EU \u00e0 455 millions EU$, en raison, notamment, de la diminution des effectifs, expliquent les banquiers.<\/p>\n

R\u00e9ductions de co\u00fbts<\/strong><\/p>\n

Les dotations aux amortissements augmentent de 4 millions $EU pour atteindre 109 millions $EU, gr\u00e2ce au renforcement des capacit\u00e9s num\u00e9riques et mobiles destin\u00e9es \u00e0 am\u00e9liorer l\u2019exp\u00e9rience client et \u00e0 stimuler la croissance des revenus.<\/p>\n

Les autres charges diminuent de 16 millions $EU, une baisse qui s\u2019explique en partie par des co\u00fbts non r\u00e9currents de restructuration de 31 millions $EU engag\u00e9s en 2020.<\/p>\n

Globalement, les r\u00e9ductions de co\u00fbts b\u00e9n\u00e9ficient de notre strat\u00e9gie \u00ab One Bank \u00bb, \u00ab Manufacture Centrally, Distribute Locally \u00bb, port\u00e9e par des initiatives telles que nos centres de co\u00fbts r\u00e9gionaux (RCC) et d\u2019autres changements structurels visant \u00e0 r\u00e9duire les co\u00fbts.<\/p>\n

Par cons\u00e9quent, le coefficient d\u2019exploitation (coefficient d\u2019efficacit\u00e9) s\u2019est am\u00e9lior\u00e9 pour atteindre un niveau de 58,9 %, le plus bas depuis dix ans, contre 62,7 % en 2020. Par ailleurs, pr\u00e9cise Ecobank, le coefficient co\u00fbt\/actifs, qui mesure les co\u00fbts par rapport aux actifs moyens, s\u2019am\u00e9liore \u00e0 3,9 % contre 4,3 % en 2020.<\/p>\n

Birame GUENE<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Ade Ayeyemi, DG Groupe Ecobank Le groupe Ecobank a rendu public le rapport relatif \u00e0 ses r\u00e9sultats audit\u00e9s de l\u2019exercice 2021. Dans ce document, les…<\/p>\n","protected":false},"author":1,"featured_media":3003,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,10],"tags":[],"class_list":["post-3002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-infos-eco","wpcat-23-id","wpcat-10-id"],"yoast_head":"\nProduit net bancaire, marge nette d\u2019int\u00e9r\u00eats, . . . 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