{"id":2552,"date":"2025-09-25T16:21:38","date_gmt":"2025-09-25T14:21:38","guid":{"rendered":"https:\/\/redaction.oxygene-benin.bj\/?p=2552"},"modified":"2025-09-25T16:21:38","modified_gmt":"2025-09-25T14:21:38","slug":"activite-bancaire-dans-lespace-uemoa-une-dynamique-positive-maintenue","status":"publish","type":"post","link":"https:\/\/redaction.oxygene-benin.bj\/?p=2552","title":{"rendered":"Activit\u00e9 bancaire dans l\u2019espace UEMOA : une dynamique positive maintenue"},"content":{"rendered":"<p><em><strong>La Direction Nationale de la Banque Centrale des \u00c9tats de l\u2019Afrique de l\u2019Ouest (BCEAO) et l\u2019Association Professionnelle des Banques et \u00c9tablissements Financiers du B\u00e9nin (APBEF-BENIN) ont tenu ce mercredi, 24 septembre 2025, leur troisi\u00e8me r\u00e9union trimestrielle de concertation pour l\u2019ann\u00e9e 2025. La rencontre s\u2019est d\u00e9roul\u00e9e dans les locaux de l\u2019Agence Principale de la BCEAO \u00e0 Cotonou, en pr\u00e9sence du Directeur National de l\u2019institution bancaire, Emmanuel ASSILAMEHOO, et des Directeurs G\u00e9n\u00e9raux des \u00e9tablissements de cr\u00e9dit qui op\u00e8rent au B\u00e9nin.<\/strong><\/em><\/p>\n<p>Les participants ont consacr\u00e9 la matin\u00e9e de ce mercredi \u00e0 l\u2019analyse de l\u2019\u00e9valuation du secteur bancaire au sein de l\u2019UMOA, la conformit\u00e9 r\u00e9glementaire, les relations avec les op\u00e9rateurs de change manuel, et le suivi du rapatriement des recettes d\u2019exportation. Aussi, ont-ils abord\u00e9 les points cl\u00e9s du rapport annuel 2024 de la Commission Bancaire de l\u2019UMOA. En effet, des discussions, il en ressort que, malgr\u00e9 un environnement agit\u00e9 par des tensions g\u00e9opolitiques, des mesures fiscales am\u00e9ricaines restrictives et une instabilit\u00e9 s\u00e9curitaire dans la sous-r\u00e9gion, l\u2019activit\u00e9 bancaire dans l\u2019Union a maintenu une dynamique positive. A en croire le Directeur National, de mani\u00e8re sp\u00e9cifique, les r\u00e9formes de l\u2019administration Trump, n\u2019ont pas d\u2019effets n\u00e9gatifs directs sur le B\u00e9nin.<\/p>\n<p>Les indicateurs cl\u00e9s du secteur total bilan, ressources mobilis\u00e9es, emplois, et r\u00e9sultats nets sont globalement en hausse. Il a \u00e9t\u00e9 \u00e9galement relev\u00e9 que la majorit\u00e9 des \u00e9tablissements de cr\u00e9dit respectent les normes prudentielles en vigueur ; ce que t\u00e9moigne d\u2019une certaine r\u00e9silience du syst\u00e8me financier r\u00e9gional.<\/p>\n<p><strong>Le B\u00e9nin maintient une meilleure qualit\u00e9 du portefeuille<\/strong><br \/>\nLors de la rencontre, les participants ont not\u00e9 une \u00e9volution globalement favorable des indicateurs bancaires au niveau national, malgr\u00e9 un creusement du d\u00e9ficit de tr\u00e9sorerie propre observ\u00e9 en 2024. Ainsi, les fonds propres des banques b\u00e9ninoises se sont renforc\u00e9s en portant le ratio de solvabilit\u00e9 \u00e0 17,1 % \u00e0 fin d\u00e9cembre 2024, bien au-dessus de la norme r\u00e9glementaire de 11,5 %. L\u2019autre performance qui saute \u00e0 l\u2019\u0153il est le taux brut de d\u00e9gradation du portefeuille, qui est pass\u00e9 de 4,6 % \u00e0 4,0 %. Cela consolide pour la troisi\u00e8me ann\u00e9e cons\u00e9cutive la place du B\u00e9nin comme leader r\u00e9gional en mati\u00e8re de qualit\u00e9 de portefeuille.<\/p>\n<p>Mais il s\u2019av\u00e8re important que le syst\u00e8me bancaire b\u00e9ninois rel\u00e8ve certains d\u00e9fis malgr\u00e9 les performances enregistr\u00e9es. Entre autres d\u00e9fis, il y a le renforcement des ressources propres pour mieux r\u00e9pondre aux besoins de financement \u00e0 long terme ; le d\u00e9veloppement de partenariats pour la mobilisation de ressources longues, alternatives au refinancement classique ; la poursuite de la formation technique des agents bancaires pour une meilleure conformit\u00e9 r\u00e9glementaire et l\u2019intensification des efforts de rapatriement des recettes d\u2019exportation. Par rapport \u00e0 la question de la conformit\u00e9 r\u00e9glementaire des op\u00e9rations entre les banques et les op\u00e9rateurs de change manuel, aucun manquement majeur n\u2019a \u00e9t\u00e9 relev\u00e9. Toutefois, la BCEAO a rappel\u00e9 l\u2019obligation de respecter le plafond trimestriel de 1 milliard FCFA pour les ventes de devises \u00e0 ces acteurs. Il faut noter qu\u2019un point d\u2019attention a \u00e9galement \u00e9t\u00e9 mis sur la r\u00e9glementation R06, qui encadre les pr\u00eats, garanties et emprunts entre r\u00e9sidents et non-r\u00e9sidents, suivi d\u2019un rappel des responsabilit\u00e9s des \u00e9tablissements de cr\u00e9dit agr\u00e9\u00e9s en la mati\u00e8re.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Direction Nationale de la Banque Centrale des \u00c9tats de l\u2019Afrique de l\u2019Ouest (BCEAO) et<\/p>\n","protected":false},"author":2,"featured_media":2553,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-2552","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Activit\u00e9 bancaire dans l\u2019espace UEMOA : une dynamique positive maintenue - 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