{"id":6889,"date":"2024-08-26T11:13:25","date_gmt":"2024-08-26T11:13:25","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=6889"},"modified":"2024-08-26T11:13:58","modified_gmt":"2024-08-26T11:13:58","slug":"ecobank-un-nouveau-risque-signale-dans-le-cadre-de-la-filiale-nigeriane","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=6889","title":{"rendered":"Ecobank: un nouveau risque signal\u00e9 dans le cadre de la filiale nig\u00e9riane"},"content":{"rendered":"

Ecobank Nig\u00e9ria fait face \u00e0 des difficult\u00e9s financi\u00e8res en raison de la non-conformit\u00e9 de son ratio de fonds propres. <\/strong>La banque cherche \u00e0 gagner de temps pour mobiliser 200 millions\u00a0$ et renforcer son capital de base.<\/strong><\/p>\n

Un nouveau risque \u00e9merge au Nig\u00e9ria pour Ecobank Transnational Incorporated, le groupe bancaire panafricain, selon une analyse r\u00e9cente de Moody’s. Ecobank Nig\u00e9ria a demand\u00e9 aux cr\u00e9anciers d’une de ses obligations de 300 millions\u00a0$ arrivant \u00e0 maturit\u00e9 en 2026 de lui accorder un d\u00e9lai de six mois pour ramener son ratio de fonds propres \u00e0 plus de 10\u00a0%, le seuil minimal contractuel qu’il s’est engag\u00e9 \u00e0 maintenir comme un gage de sa cr\u00e9dibilit\u00e9. La banque a besoin de ce temps pour mobiliser 200 millions\u00a0$ et renforcer son capital de base.<\/p>\n

Dans certains accords de pr\u00eat sur les march\u00e9s internationaux, l’emprunteur, en particulier dans le secteur financier, doit maintenir un certain niveau de fonds propres pour garantir sa capacit\u00e9 \u00e0 rembourser sa dette. Ecobank Nig\u00e9ria a, selon Moody’s, fait savoir qu’il n’est plus en conformit\u00e9 avec cette exigence contractuelle depuis la fin du mois de juin 2024, et sollicite un moratoire de ses cr\u00e9anciers pour \u00e9viter une hausse des taux d’int\u00e9r\u00eat ou une demande de remboursement anticip\u00e9.<\/p>\n

Cette situation contraint la holding bancaire bas\u00e9e \u00e0 Lom\u00e9 \u00e0 surveiller de pr\u00e8s l’\u00e9volution des \u00e9v\u00e9nements, avec la possibilit\u00e9 d’intervenir si la filiale ne parvient pas \u00e0 lever les fonds n\u00e9cessaires ou si les cr\u00e9anciers d\u00e9cident d’appliquer les clauses du contrat. \u00ab\u00a0Une extension de liquidit\u00e9 ou une injection de capital par ETI dans Ecobank Nigeria repr\u00e9senterait un besoin de liquidit\u00e9 important pour ETI dans un contexte mondial de financement relativement tendu\u00a0<\/em>\u00bb, a d\u00e9clar\u00e9 Moody’s.<\/p>\n

Le groupe continue de faire face \u00e0 des d\u00e9fis malgr\u00e9 la solide performance de ses franchises, notamment en Afrique de l’Ouest et en Afrique centrale et australe. Il doit \u00e9galement rembourser des emprunts arrivant \u00e0 maturit\u00e9 en 2025 et 2026. En avril 2024, il a rembours\u00e9 un Eurobond de 500 millions\u00a0$, gr\u00e2ce \u00e0 des pr\u00eats \u00e0 long terme obtenus aupr\u00e8s d’institutions de financement du d\u00e9veloppement et \u00e0 une partie d’un cr\u00e9dit relais de 250 millions\u00a0$ contract\u00e9 en mars, remboursable sur 12 mois.<\/p>\n

\u00c0 court terme, Ecobank doit s’assurer de parvenir \u00e0 un accord avec les cr\u00e9anciers de sa filiale nig\u00e9riane et de trouver des investisseurs pr\u00eats \u00e0 apporter les fonds n\u00e9cessaires dans les six mois, de pr\u00e9f\u00e9rence via une \u00e9mission d’obligations convertibles ou une augmentation de capital.<\/p>\n

Cette op\u00e9ration s’annonce difficile. La violation du ratio de fonds propres risque de d\u00e9courager d’autres cr\u00e9anciers, et l’ouverture du capital pourrait \u00eatre difficile \u00e0 n\u00e9gocier.<\/p>\n

Au premier semestre 2024, Ecobank Nig\u00e9ria repr\u00e9sentait 13,3\u00a0% de l’actif global du groupe, estim\u00e9 \u00e0 26 milliards\u00a0$. Cependant, trois indicateurs cl\u00e9s n\u00e9cessitent des am\u00e9liorations. Son coefficient d’exploitation (ratio des charges sur les revenus) s’est d\u00e9t\u00e9rior\u00e9 \u00e0 77,7\u00a0% contre 73,3\u00a0% \u00e0 la m\u00eame p\u00e9riode en 2023, et son rendement des fonds propres est inf\u00e9rieur \u00e0 4\u00a0% dans un pays o\u00f9 l’inflation atteint 34\u00a0% et o\u00f9 le taux de change est instable.<\/p>\n

Le Nig\u00e9ria a depuis longtemps cess\u00e9 d’\u00eatre une place forte dans la r\u00e9partition des secteurs g\u00e9ographiques d’Ecobank, m\u00eame si sa filiale demeure la plus importante en termes d’actifs dans l’\u00e9conomie la plus peupl\u00e9e d’Afrique, avec un fort potentiel pour le secteur bancaire.<\/p>\n

Sur le premier semestre 2024, le Ghana avec ses 143 millions $ de produit net bancaire et 63,8 millions $ de b\u00e9n\u00e9fices avant imp\u00f4ts et amortissements, semble d\u00e9sormais donner le rythme au sein du groupe.<\/p>\n

\n

(Agence Ecofin)<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ecobank Nig\u00e9ria fait face \u00e0 des difficult\u00e9s financi\u00e8res en raison de la non-conformit\u00e9 de son ratio de fonds propres. 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