{"id":10629,"date":"2025-01-14T15:03:45","date_gmt":"2025-01-14T14:03:45","guid":{"rendered":"https:\/\/etc-guarantee.com\/index.php\/2025\/01\/14\/journee-internationale-de-lutte-contre-la-corruption-2024-etc-sengage\/"},"modified":"2025-01-14T15:25:01","modified_gmt":"2025-01-14T14:25:01","slug":"respect-ratios-prudentiels-2025-solutions-banques-zone-ohada","status":"publish","type":"post","link":"https:\/\/etc-guarantee.com\/index.php\/fr\/2025\/01\/14\/respect-ratios-prudentiels-2025-solutions-banques-zone-ohada\/","title":{"rendered":"Respect des ratios prudentiels en 2025 : quelles solutions pour les banques de la zone OHADA ?"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>Contexte et enjeux pour les banques de la zone OHADA<\/strong><\/h3>\n\n\n\n<p>En tant que Directeur G\u00e9n\u00e9ral, Directeur du Risque, Directeur du Cr\u00e9dit ou Directeur des Engagements d&#8217;une banque de la zone OHADA, vous faites face \u00e0 une p\u00e9riode cruciale de planification strat\u00e9gique et d&#8217;alignement des objectifs. Cette p\u00e9riode implique la validation des objectifs annuels, la cl\u00f4ture de l&#8217;exercice pr\u00e9c\u00e9dent et la soumission des premiers rapports prudentiels aux r\u00e9gulateurs. La pr\u00e9paration de l&#8217;audit des commissaires aux comptes (CAC) et les r\u00e9unions des actionnaires sont \u00e9galement des \u00e9ch\u00e9ances majeures qui conditionnent la performance de votre banque.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Objectif : Accro\u00eetre le Produit Net Bancaire (PNB) tout en respectant les contraintes prudentielles<\/strong><\/h3>\n\n\n\n<p>Votre objectif principal est de d\u00e9velopper votre Produit Net Bancaire (PNB) afin d&#8217;atteindre les objectifs budg\u00e9taires pr\u00e9sent\u00e9s en commission \u00e0 la fin de l&#8217;ann\u00e9e pr\u00e9c\u00e9dente. Cela passe par l&#8217;octroi de cr\u00e9dits aux contreparties de votre portefeuille (Souverain, Grandes Corporates, Corporates et PME), contribuant ainsi efficacement au financement de l&#8217;\u00e9conomie r\u00e9gionale. Toutefois, vous \u00eates confront\u00e9 \u00e0 des limites impos\u00e9es par les ratios prudentiels, restreignant vos capacit\u00e9s de financement et freinant la croissance de vos engagements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>La solution : Concentration Risk Bond (CRB) d&#8217;ETC<\/strong><\/h3>\n\n\n\n<p>Export Trading Cooperation (ETC) propose une solution adapt\u00e9e \u00e0 ces d\u00e9fis : le Concentration Risk Bond (CRB). ETC est une institution de garantie europ\u00e9enne intervenant aupr\u00e8s des banques et institutions op\u00e9rant en Afrique. ETC fournit des services techniques et financiers en soutien aux projets d&#8217;investissement et de commerce international.<\/p>\n\n\n\n<p>ETC b\u00e9n\u00e9ficie d&#8217;une notation publique A3- (cat\u00e9gorie de risque 2 selon l&#8217;UE) aupr\u00e8s de&nbsp; l&#8217;Autorit\u00e9 Europ\u00e9enne des March\u00e9s Financiers (AEMF) et d&#8217;une notation AA long terme et A1 court terme par Bloomfield Investment Corporation valable sur la zone AMF-UMOA. Membre actif de SWIFT sous le code ETCGIT2T, ETC est en mesure de fournir des instruments de garantie tels que des lettres de cr\u00e9dit stand-by (SBLC) conformes aux r\u00e8gles de la Chambre de Commerce Internationale (CCI).<\/p>\n\n\n\n<p><a href=\"https:\/\/etc-guarantee.com\/index.php\/fr\/nos-atouts\/\">En savoir plus sur ETC<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Comment fonctionne le Concentration Risk Bond (CRB) ?<\/strong><\/h3>\n\n\n\n<p>Le CRB est une garantie de division des risques permettant aux banques de g\u00e9rer le risque de concentration. En respectant les normes de B\u00e2le III, cet instrument limite l&#8217;exposition \u00e0 25 % des fonds propres r\u00e9glementaires, facilitant ainsi l&#8217;octroi de cr\u00e9dits aux grandes contreparties sans compromettre la conformit\u00e9 prudentielle.<\/p>\n\n\n\n<p><a href=\"https:\/\/etc-guarantee.com\/index.php\/fr\/concentration-risk-bond-crb-2\/\">En savoir plus sur le CRB d\u2019ETC<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>B\u00e9n\u00e9fices cl\u00e9s du CRB :<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mitigation des risques<\/strong> : R\u00e9duction de l&#8217;Exposure at Default (EAD) en cas de d\u00e9faut.<\/li>\n\n\n\n<li><strong>Pond\u00e9ration des actifs<\/strong> : Utilisation de la notation publique d&#8217;ETC (A3-) pour ajuster la pond\u00e9ration des expositions, lib\u00e9rant ainsi des fonds propres.<\/li>\n\n\n\n<li><strong>Optimisation du financement<\/strong> : Permet de financer davantage de projets tout en respectant les limites de concentration des risques.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00c0 qui s&#8217;adresse le CRB ?<\/strong><\/h3>\n\n\n\n<p>Le CRB cible les institutions financi\u00e8res et de d\u00e9veloppement souhaitant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Soutenir des clients strat\u00e9giques dans leurs projets et transactions commerciales.<\/li>\n\n\n\n<li>Accompagner des grands risques sans d\u00e9passer les limites prudentielles de 25 %.<\/li>\n\n\n\n<li>Dynamiser le financement des PME et contribuer \u00e0 l&#8217;\u00e9conomie locale.<\/li>\n\n\n\n<li>Am\u00e9liorer leur ratio de solvabilit\u00e9 et optimiser l&#8217;utilisation de leurs fonds propres.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pourquoi choisir ETC ?<\/strong><\/h3>\n\n\n\n<p>ETC offre une solution flexible et adapt\u00e9e aux besoins des banques africaines, r\u00e9pondant aux exigences r\u00e9glementaires et facilitant la croissance de leurs activit\u00e9s de financement. Le CRB constitue une r\u00e9ponse strat\u00e9gique aux d\u00e9fis li\u00e9s aux ratios prudentiels, permettant de soutenir l&#8217;\u00e9conomie tout en renfor\u00e7ant la r\u00e9silience financi\u00e8re de votre institution.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contexte et enjeux pour les banques de la zone OHADA En tant que Directeur G\u00e9n\u00e9ral, Directeur du Risque, Directeur du Cr\u00e9dit ou Directeur des Engagements d&#8217;une banque de la zone OHADA, vous faites face \u00e0 une p\u00e9riode cruciale de planification strat\u00e9gique et d&#8217;alignement des objectifs. Cette p\u00e9riode implique la validation des objectifs annuels, la cl\u00f4ture [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[292],"tags":[],"class_list":["post-10629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Respect des ratios prudentiels en 2025 : quelles solutions pour les banques de la zone OHADA ? - ETC Guarantee<\/title>\n<meta name=\"description\" content=\"En tant que Directeur G\u00e9n\u00e9ral, Directeur du Risque, Directeur du Cr\u00e9dit ou Directeur des Engagements d&#039;une banque de la zone OHADA...\" \/>\n<meta name=\"robots\" content=\"index, follow, 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