{"id":44743,"date":"2025-07-03T12:40:19","date_gmt":"2025-07-03T12:40:19","guid":{"rendered":"https:\/\/journalintegration.com\/?p=44743"},"modified":"2025-07-03T12:40:25","modified_gmt":"2025-07-03T12:40:25","slug":"derives-bancaires-en-zone-cemac-la-bande-a-part-recadre-par-la-cobac","status":"publish","type":"post","link":"https:\/\/journalintegration.com\/index.php\/2025\/07\/03\/derives-bancaires-en-zone-cemac-la-bande-a-part-recadre-par-la-cobac\/","title":{"rendered":"D\u00e9rives bancaires en zone Cemac : \u00abla bande \u00e0 part\u00bb recadr\u00e9 par la Cobac"},"content":{"rendered":"\n

Selon le gendarme de la finance sous r\u00e9gionale, tous les \u00e9carts de conduite sont d\u00e9sormais suivis de pr\u00e8s.<\/em><\/p>\n\n\n\n

\"\"
Yvon Sana Bangui ( au centre) pendant les travaux de Bangui<\/figcaption><\/figure>\n\n\n\n

Trimestre apr\u00e8s trimestre, la bonne sant\u00e9 des banques de la Cemac se confirme. Ann\u00e9e apr\u00e8s ann\u00e9e, la taille de leurs bilans explose. Au 31 mars 2025, les 53 banques actives dans la r\u00e9gion affichent un total bilan de 25 974 milliards FCFA (+11 % sur un an), des d\u00e9p\u00f4ts en hausse \u00e0 18 330 milliards FCFA et un exc\u00e9dent de tr\u00e9sorerie de plus de 9 000 milliards FCFA. Le b\u00e9n\u00e9fice net cumul\u00e9 s’\u00e9tablit \u00e0 450 milliards FCFA \u00e0 fin 2024, soit deux fois plus qu’en 2019. Dans la foul\u00e9e, le syst\u00e8me bancaire sous r\u00e9gional est min\u00e9 par des d\u00e9rives structurelles : une concentration excessive des financements, une surexposition au risque souverain, une d\u00e9pendance accrue \u00e0 un nombre r\u00e9duit de clients et de secteurs, et des difficult\u00e9s \u00e0 respecter certaines normes prudentielles impos\u00e9es par la Cobac. <\/p>\n\n\n\n

Lors de la 14e r\u00e9union annuelle de concertation du pr\u00e9sident de la Cobac avec la profession bancaire et financi\u00e8re de la Cemac tenue \u00e0 Bangui (RCA) le 23 juin dernier, Yvon Sana Bangui n\u2019a pas manqu\u00e9 de mettre \u00e0 nu les stratag\u00e8mes des banquiers. Selon le gouverneur de la Beac, la grande majorit\u00e9 d\u2019\u00e9tablissements assujettis \u00e0 mettre au premier plan leurs objectifs de rentabilit\u00e9, quitte \u00e0 s\u2019affranchir des r\u00e8gles de prudence \u00e9dict\u00e9es par l\u2019organe de supervision bancaire.
Sur le coup, des efforts r\u00e9glementaires pour cloisonner le risque au sein du secteur bancaire sous r\u00e9gional ont \u00e9t\u00e9 compl\u00e9t\u00e9s par l’adoption de r\u00e8gles prudentielles drastiques, en mati\u00e8re de solvabilit\u00e9 et liquidit\u00e9. Les grandes banques ont m\u00eame \u00e9t\u00e9 pri\u00e9es de r\u00e9fl\u00e9chir par avance \u00e0 l’organisation de leur propre faillite. Ces mesures doivent permettre \u00abde r\u00e9pondre aux le\u00e7ons de la crise en mati\u00e8re de r\u00e9gulation, de supervision et de gestion des risques des banques. La palette de mesures qui concernent les capitaux et les liquidit\u00e9s vont renforcer les banques et cr\u00e9er un syst\u00e8me bancaire et financier plus sain \u00bb, pr\u00e9cise une source proche de la Cobac.<\/p>\n\n\n\n

L\u2019encours des dettes \u00e9mises sur le march\u00e9 obligataire r\u00e9gional a explos\u00e9, passant de 1 011 milliards FCFA en 2018 \u00e0 7 669 milliards FCFA en mars 2025. Une dynamique aliment\u00e9e par les besoins budg\u00e9taires des \u00c9tats, notamment en r\u00e9action \u00e0 la crise du Covid-19, et par la titrisation des arri\u00e9r\u00e9s int\u00e9rieurs. Cons\u00e9quence, les banques d\u00e9laissent progressivement le secteur priv\u00e9. En valeur relative, les concours au secteur priv\u00e9 sont pass\u00e9s de 66 % des financements bruts en 2018 \u00e0 49 % en mars 2025. Inversement, les concours aux Etats sont pass\u00e9s de 25 % \u00e0 42 % sur la m\u00eame p\u00e9riode. Les banques devront \u00e9galement se doter d’un ratio d’endettement pour contenir leur dette, d’amortisseurs financiers afin de pouvoir faire face \u00e0 des situations difficiles et d’un niveau minimum de liquidit\u00e9s.<\/p>\n\n\n\n

R\u00e9my Biniou<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Selon le gendarme de la finance sous r\u00e9gionale, tous les \u00e9carts de conduite sont d\u00e9sormais suivis de pr\u00e8s. Trimestre apr\u00e8s trimestre, la bonne sant\u00e9 des banques de la Cemac se confirme. Ann\u00e9e apr\u00e8s ann\u00e9e, la taille de leurs bilans explose. Au 31 mars 2025, les 53 banques actives dans la r\u00e9gion affichent un total bilan […]<\/p>\n","protected":false},"author":1,"featured_media":44744,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[35,38],"tags":[],"class_list":["post-44743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-panorama","category-portrait-decouverte"],"yoast_head":"\nD\u00e9rives bancaires en zone Cemac : \u00abla bande \u00e0 part\u00bb recadr\u00e9 par la Cobac - Int\u00e9gration<\/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:\/\/journalintegration.com\/index.php\/2025\/07\/03\/derives-bancaires-en-zone-cemac-la-bande-a-part-recadre-par-la-cobac\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9rives bancaires en zone Cemac : \u00abla bande \u00e0 part\u00bb recadr\u00e9 par la Cobac - Int\u00e9gration\" \/>\n<meta property=\"og:description\" content=\"Selon le gendarme de la finance sous r\u00e9gionale, tous les \u00e9carts de conduite sont d\u00e9sormais suivis de pr\u00e8s. 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