{"id":5903,"date":"2024-01-08T12:17:27","date_gmt":"2024-01-08T12:17:27","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=5903"},"modified":"2024-01-08T12:17:54","modified_gmt":"2024-01-08T12:17:54","slug":"hausse-du-capital-social-des-banques-de-lumoa-les-investisseurs-seront-sollicites-a-hauteur-de-850-millions","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=5903","title":{"rendered":"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $"},"content":{"rendered":"<p class=\"texte textearticle\"><strong>Le doublement du capital minimum requis, annonc\u00e9 par le conseil des ministres de l\u2019UMOA, concerne 65 banques qui devront lever 472,8 milliards de FCFA suppl\u00e9mentaires. Une situation qui cr\u00e9era des opportunit\u00e9s, mais qui survient dans un environnement aux risques croissants.<\/strong><\/p>\n<p class=\"texte textearticle\">Le conseil des ministres de l\u2019Union Mon\u00e9taire Ouest-Africaine (UEMOA) <a href=\"https:\/\/www.bceao.int\/fr\/communique-presse\/quatrieme-session-ordinaire-du-conseil-des-ministres-de-lumoa-au-titre-de-lannee\">du 21 d\u00e9cembre 2023<\/a> a d\u00e9cid\u00e9 de doubler le capital minimum requis pour les banques, le faisant passer de 10 \u00e0 20 milliards de FCFA. Cette mesure concerne 65 banques r\u00e9parties dans les 8 pays de la zone, qui devront lever un total de 472,8 milliards de FCFA (850,8 millions\u00a0$) de fonds propres suppl\u00e9mentaires aupr\u00e8s des investisseurs sous diff\u00e9rentes formes possibles, y compris des ouvertures et augmentation de capital, des fusions ou des acquisitions et des recours aux r\u00e9serves ou b\u00e9n\u00e9fices conserv\u00e9s.<\/p>\n<p class=\"texte textearticle\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.agenceecofin.com\/images\/finance\/56238umoa.png\" alt=\"56238umoa\" width=\"765\" height=\"464\" \/><\/p>\n<p class=\"texte textearticle\">Le S\u00e9n\u00e9gal arrive en t\u00eate avec 13 augmentations de capital \u00e0 r\u00e9aliser pour 98,3 milliards. Il est suivi du Togo (9 banques, 83,6 milliards) et de la C\u00f4te d&rsquo;Ivoire (12 banques, 82 milliards), principal march\u00e9 du cr\u00e9dit dans la r\u00e9gion. Le d\u00e9fi est \u00e9galement de taille au Burkina Faso o\u00f9 62,4 milliards devront \u00eatre mobilis\u00e9s par 10 banques.<\/p>\n<p class=\"texte textearticle\">Cet effort intervient au Burkina Faso alors que des acteurs majeurs du secteur dans ce pays, comme Vista Bank Group et Coris Bank International, sont engag\u00e9s dans des op\u00e9rations de rachat de filiales bancaires du continent, y compris celles de Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, ainsi que dans une prise de participation majoritaire dans le groupe Orabank.<\/p>\n<p class=\"texte textearticle\">D&rsquo;apr\u00e8s la <a href=\"https:\/\/www.cb-umoa.org\/sites\/default\/files\/Rapport_Annuel_SGCB_2022.pdf\">Commission Bancaire d\u2019Afrique de l\u2019Ouest,<\/a> les fonds propres des banques de la zone ont g\u00e9n\u00e9r\u00e9 un rendement moyen de 16,8% en 2022, en hausse par rapport aux 11,4% de 2020. Sur la base des nouveaux capitaux \u00e0 lever, il faudrait g\u00e9n\u00e9rer environ 77 milliards de FCFA de b\u00e9n\u00e9fices nets suppl\u00e9mentaires pour commencer \u00e0 d\u00e9gager des gains au bout de 6 ans minimum.<\/p>\n<p class=\"texte textearticle\">Compte tenu du contexte \u00e9conomique (inflation \u00e0 5%, resserrement mon\u00e9taire), on peut tabler sur un fl\u00e9chissement du rendement des fonds propres dans une fourchette de 14 \u00e0 15% pour les banques. Et des dividendes annualis\u00e9s de 8 \u00e0 10% pour les investisseurs participant aux augmentations de capital, selon les donn\u00e9es de la BRVM.<\/p>\n<p class=\"texte textearticle\">L&rsquo;impact \u00e9conomique attendu est une am\u00e9lioration du financement des PME\/PMI, avec une probable croissance des encours de cr\u00e9dit de 8 \u00e0 12% pour ce segment. \u00c0 condition bien s\u00fbr que les nouveaux capitaux soient allou\u00e9s au tissu productif et non \u00e0 d&rsquo;autres actifs.<\/p>\n<p class=\"texte textearticle\">Plusieurs risques subsistent n\u00e9anmoins\u00a0: d\u00e9gradation de la conjoncture, durcissement mon\u00e9taire acc\u00e9l\u00e9r\u00e9, ou intensification de la concurrence. S&rsquo;y ajoute \u00e9galement des mouvements de contestation de la persistance des accords mon\u00e9taires h\u00e9rit\u00e9s de la colonisation fran\u00e7aise dans certains pays comme le Niger, le Burkina Faso ou le Mali.<\/p>\n<p class=\"texte textearticle\">Les modalit\u00e9s et le calendrier de mise en \u0153uvre du doublement des fonds propres bancaires n&rsquo;ont pas encore \u00e9t\u00e9 pr\u00e9cis\u00e9s par la BCEAO. L&rsquo;op\u00e9ration devrait \u00eatre assez ais\u00e9e pour les filiales de grands groupes, plus complexe pour les banques devant chercher des investisseurs.<\/p>\n<p class=\"texte textearticle\">\u00c0 noter qu\u2019avec 133 banques (dont 22 succursales) pour 128 millions d\u2019habitants en 2022, le march\u00e9 bancaire de la zone UEMOA reste tr\u00e8s satur\u00e9 en comparaison d\u2019autres march\u00e9s africains. Le Kenya par exemple compte 42 banques pour 54 millions d\u2019habitants, le Nigeria, 23 pour 206 millions.<\/p>\n<p><strong>(Agence Ecofin)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le doublement du capital minimum requis, annonc\u00e9 par le conseil des ministres de l\u2019UMOA, concerne 65 banques qui devront lever 472,8 milliards de FCFA suppl\u00e9mentaires&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":886,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,15],"tags":[],"class_list":["post-5903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-analyse","wpcat-23-id","wpcat-15-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $ - 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=5903\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $ - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"Le doublement du capital minimum requis, annonc\u00e9 par le conseil des ministres de l\u2019UMOA, concerne 65 banques qui devront lever 472,8 milliards de FCFA suppl\u00e9mentaires....\" \/>\n<meta property=\"og:url\" content=\"https:\/\/challengeseconomiques.com\/?p=5903\" \/>\n<meta property=\"og:site_name\" content=\"challenges economiques\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-08T12:17:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-08T12:17:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"860\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#article\",\"isPartOf\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349\"},\"headline\":\"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $\",\"datePublished\":\"2024-01-08T12:17:27+00:00\",\"dateModified\":\"2024-01-08T12:17:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903\"},\"wordCount\":584,\"image\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage\"},\"thumbnailUrl\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg\",\"articleSection\":[\"A la une\",\"Analyse\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903\",\"url\":\"https:\/\/challengeseconomiques.com\/?p=5903\",\"name\":\"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $ - challenges economiques\",\"isPartOf\":{\"@id\":\"https:\/\/challengeseconomiques.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage\"},\"image\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage\"},\"thumbnailUrl\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg\",\"datePublished\":\"2024-01-08T12:17:27+00:00\",\"dateModified\":\"2024-01-08T12:17:54+00:00\",\"author\":{\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349\"},\"breadcrumb\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/challengeseconomiques.com\/?p=5903\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage\",\"url\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg\",\"contentUrl\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg\",\"width\":860,\"height\":420},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=5903#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/challengeseconomiques.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/challengeseconomiques.com\/#website\",\"url\":\"https:\/\/challengeseconomiques.com\/\",\"name\":\"challenges economiques\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/challengeseconomiques.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/challengeseconomiques.com\"],\"url\":\"https:\/\/challengeseconomiques.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $ - challenges economiques","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/challengeseconomiques.com\/?p=5903","og_locale":"fr_FR","og_type":"article","og_title":"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $ - challenges economiques","og_description":"Le doublement du capital minimum requis, annonc\u00e9 par le conseil des ministres de l\u2019UMOA, concerne 65 banques qui devront lever 472,8 milliards de FCFA suppl\u00e9mentaires....","og_url":"https:\/\/challengeseconomiques.com\/?p=5903","og_site_name":"challenges economiques","article_published_time":"2024-01-08T12:17:27+00:00","article_modified_time":"2024-01-08T12:17:54+00:00","og_image":[{"width":860,"height":420,"url":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"admin","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/challengeseconomiques.com\/?p=5903#article","isPartOf":{"@id":"https:\/\/challengeseconomiques.com\/?p=5903"},"author":{"name":"admin","@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349"},"headline":"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $","datePublished":"2024-01-08T12:17:27+00:00","dateModified":"2024-01-08T12:17:54+00:00","mainEntityOfPage":{"@id":"https:\/\/challengeseconomiques.com\/?p=5903"},"wordCount":584,"image":{"@id":"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage"},"thumbnailUrl":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg","articleSection":["A la une","Analyse"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/challengeseconomiques.com\/?p=5903","url":"https:\/\/challengeseconomiques.com\/?p=5903","name":"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $ - challenges economiques","isPartOf":{"@id":"https:\/\/challengeseconomiques.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage"},"image":{"@id":"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage"},"thumbnailUrl":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg","datePublished":"2024-01-08T12:17:27+00:00","dateModified":"2024-01-08T12:17:54+00:00","author":{"@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349"},"breadcrumb":{"@id":"https:\/\/challengeseconomiques.com\/?p=5903#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/challengeseconomiques.com\/?p=5903"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/challengeseconomiques.com\/?p=5903#primaryimage","url":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg","contentUrl":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg","width":860,"height":420},{"@type":"BreadcrumbList","@id":"https:\/\/challengeseconomiques.com\/?p=5903#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/challengeseconomiques.com\/"},{"@type":"ListItem","position":2,"name":"Hausse du capital social des banques de l\u2019UMOA : les investisseurs seront sollicit\u00e9s \u00e0 hauteur de 850 millions $"}]},{"@type":"WebSite","@id":"https:\/\/challengeseconomiques.com\/#website","url":"https:\/\/challengeseconomiques.com\/","name":"challenges economiques","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/challengeseconomiques.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349","name":"admin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/challengeseconomiques.com"],"url":"https:\/\/challengeseconomiques.com\/?author=1"}]}},"jetpack_featured_media_url":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/04\/bceao-dakar-microfinance-860x420-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts\/5903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5903"}],"version-history":[{"count":1,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts\/5903\/revisions"}],"predecessor-version":[{"id":5904,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts\/5903\/revisions\/5904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/media\/886"}],"wp:attachment":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}