{"id":3701,"date":"2022-07-20T13:38:14","date_gmt":"2022-07-20T13:38:14","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=3701"},"modified":"2022-07-20T13:38:43","modified_gmt":"2022-07-20T13:38:43","slug":"leconomie-de-la-rencontre-trimestrielle-entre-le-directeur-national-de-la-bceao-et-les-dg-des-etablissements-de-credit","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=3701","title":{"rendered":"L\u2019\u00e9conomie de la rencontre trimestrielle entre le Directeur National de la BCEAO et les DG des \u00e9tablissements de cr\u00e9dit"},"content":{"rendered":"

La deuxi\u00e8me rencontre trimestrielle au titre de l\u2019ann\u00e9e 2022 entre le directeur national de la BCEAO pour le S\u00e9n\u00e9gal, Ahmadou Al Aminou Lo et les directeurs g\u00e9n\u00e9raux des \u00e9tablissements de cr\u00e9dit s\u2019est tenue le jeudi 14 juillet 2022, par visioconf\u00e9rence.<\/strong><\/p>\n

Les \u00e9changes ont \u00e9t\u00e9 essentiellement ax\u00e9s sur l\u2019\u00e9volution de la situation du syst\u00e8me bancaire, dans un contexte marqu\u00e9 par l\u2019impact de la guerre en Ukraine sur les activit\u00e9s \u00e9conomiques, notamment sur la dynamique de l\u2019inflation. C\u2019est ce qu\u2019a soulign\u00e9 d\u2019embl\u00e9e la Direction Nationale de la BCEAO pour le S\u00e9n\u00e9gal dans un communiqu\u00e9.<\/p>\n

 <\/strong>Situation du syst\u00e8me bancaire <\/strong><\/p>\n

Selon la source, la situation du syst\u00e8me bancaire \u00e0 fin mars 2022 a \u00e9t\u00e9 jug\u00e9e globalement satisfaisante. Les cr\u00e9dits ont progress\u00e9, en glissement annuel, de 714,3 milliards (+13,9%) se situant \u00e0 5.861,6 milliards.
\nSur le premier trimestre de l\u2019ann\u00e9e 2022, comparativement \u00e0 fin d\u00e9cembre 2021, les emplois bancaires se sont inscrits en hausse de 283,6 milliards (+3,3%) r\u00e9partis entre les cr\u00e9dits \u00e0 la client\u00e8le (+176,6 milliards ; +3,1%) et les autres emplois (+107,1 milliards ; +3,6%).
\nLa qualit\u00e9 du portefeuille s\u2019est am\u00e9lior\u00e9e, le taux brut de d\u00e9gradation du portefeuille ressortant \u00e0 11,3% \u00e0 fin mars 2022 contre 13,3% en mars 2021.Le taux net de d\u00e9gradation se chiffre \u00e0 3,9% au 31 mars 2022.<\/p>\n

Normes prudentielles<\/strong><\/p>\n

Sur le plan prudentiel, la situation du syst\u00e8me bancaire est ressortie globalement conforme en ce qui concerne les principaux ratios, notamment ceux relatifs \u00e0 l\u2019ad\u00e9quation des fonds propres.
\nA cet \u00e9gard, explique la BCEAO dans le communiqu\u00e9, les directeurs g\u00e9n\u00e9raux des \u00e9tablissements de cr\u00e9dit ont relev\u00e9 les d\u00e9fis li\u00e9s \u00e0 la prochaine \u00e9tape finale du calendrier de transition vers les normes prudentielles de B\u00e2le 2 et B\u00e2le 3, en particulier la cible \u00e0 respecter en 2023 au titre du ratio de division des risques.
\nIls ont \u00e9galement soulign\u00e9 les facteurs de risques sur l\u2019exploitation du syst\u00e8me bancaire au regard de l\u2019environnement \u00e9conomique et financier, notamment le ralentissement de la croissance \u00e9conomique, les perturbations affectant les activit\u00e9s de certaines entreprises, les pressions sur les finances publiques ainsi que la hausse imprim\u00e9e par la BCEAO \u00e0 ses taux directeurs.<\/p>\n

Relais de croissance <\/strong><\/p>\n

Les \u00e9tablissements de cr\u00e9dit ont \u00e9t\u00e9 exhort\u00e9s par le directeur national de la BCEAO \u00e0 exploiter les relais de croissance de leur activit\u00e9 que constituent le Dispositif de soutien au financement des PME\/PMI de la Banque Centrale, le Programme d\u2019Acc\u00e9l\u00e9ration Comp\u00e9titivit\u00e9 et Emplois (PACE) du Plan d\u2019Actions Prioritaires Ajust\u00e9 et Acc\u00e9l\u00e9r\u00e9 (PAP2A) du Plan S\u00e9n\u00e9gal Emergent (PSE) et le programme \u201c100.000 logements\u201d initi\u00e9 par l\u2019Etat du S\u00e9n\u00e9gal.
\nAu titre des autres points d\u2019\u00e9change au cours de la rencontre, les directeurs g\u00e9n\u00e9raux des \u00e9tablissements de cr\u00e9dit ont formul\u00e9 des propositions en direction de la BCEAO et du Groupement Interbancaire Mon\u00e9tique de l\u2019UEMOA (GIM-UEMOA) en vue d\u2019un usage accru des Terminaux de Paiement Electronique (TPE) par la client\u00e8le aupr\u00e8s des marchands.<\/p>\n

Projet d\u2019interop\u00e9rabilit\u00e9 des services<\/strong><\/p>\n

Par ailleurs, le calendrier de mise en \u0153uvre du projet d\u2019interop\u00e9rabilit\u00e9 des services financiers num\u00e9riques dans l\u2019UMOA, dont les tests de recettes sont pr\u00e9vus \u00e0 fin d\u00e9cembre 2022, a fait l\u2019objet de rappels aux directeurs g\u00e9n\u00e9raux des \u00e9tablissements de cr\u00e9dit en les invitant \u00e0 participer activement aux travaux dans le strict respect du chronogramme d\u00e9fini.
\nEnfin, les directeurs g\u00e9n\u00e9raux ont \u00e9t\u00e9 invit\u00e9s \u00e0 engager des r\u00e9flexions relativement \u00e0 la tarification \u00e0 un co\u00fbt mod\u00e9r\u00e9 de certains services fournis \u00e0 la client\u00e8le.
\nIls ont en retour fait part de la n\u00e9cessit\u00e9 d\u2019une r\u00e9flexion englobant le taux de r\u00e9mun\u00e9ration de la petite \u00e9pargne et de l\u2019\u00e9pargne contractuelle, dans un contexte de marges d\u2019interm\u00e9diation bancaires resserr\u00e9es.<\/p>\n

(Source; BIE)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

La deuxi\u00e8me rencontre trimestrielle au titre de l\u2019ann\u00e9e 2022 entre le directeur national de la BCEAO pour le S\u00e9n\u00e9gal, Ahmadou Al Aminou Lo et les…<\/p>\n","protected":false},"author":1,"featured_media":675,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,10],"tags":[],"class_list":["post-3701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-economique","category-infos-eco","wpcat-8-id","wpcat-10-id"],"yoast_head":"\nL\u2019\u00e9conomie de la rencontre trimestrielle entre le Directeur National de la BCEAO et les DG des \u00e9tablissements de cr\u00e9dit - 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=3701\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019\u00e9conomie de la rencontre trimestrielle entre le Directeur National de la BCEAO et les DG des \u00e9tablissements de cr\u00e9dit - 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