{"id":126737,"date":"2018-09-07T12:42:22","date_gmt":"2018-09-07T11:42:22","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=126737"},"modified":"2018-09-07T12:42:22","modified_gmt":"2018-09-07T11:42:22","slug":"bct-precisions-sur-le-projet-dinstitution-dun-ratio-prudentiel-credits-depots","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/bct-precisions-sur-le-projet-dinstitution-dun-ratio-prudentiel-credits-depots\/","title":{"rendered":"BCT\u00a0: Pr\u00e9cisions sur le projet d\u2019institution d\u2019un ratio prudentiel \u00abCr\u00e9dits\/D\u00e9p\u00f4ts\u00a0\u00bb"},"content":{"rendered":"<p><strong>\u00a0<\/strong><strong>Le projet de publication par la Banque Centrale de Tunisie (BCT) d\u2019une nouvelle circulaire pr\u00e9voyant l\u2019obligation pour les banques de respecter un nouveau ratio cr\u00e9dits\/d\u00e9p\u00f4ts a suscit\u00e9 un d\u00e9bat que la BCT estime int\u00e9ressant. Toutefois, afin d\u2019\u00e9viter toutes mauvaises interpr\u00e9tations qui pourraient induire le public en erreur, l\u2019Institut d\u2019Emission tient \u00e0 apporter les pr\u00e9cisions suivantes\u00a0:<\/strong><\/p>\n<p>Contrairement aux all\u00e9gations, dans la dite circulaire &#8211; encore au stade de projet &#8211; la BCT ne compte pas instituer un ratio cible de 110% mais plut\u00f4t amener les banques qui affichent des ratios tr\u00e8s \u00e9lev\u00e9s \u2013 ayant m\u00eame atteint un taux de 150% pour certaines &#8211; \u00e0 r\u00e9duire progressivement leurs ratios cr\u00e9dits\/d\u00e9p\u00f4ts et ce, \u00e0 hauteur de 3% trimestriellement. Les banques ayant des ratios inf\u00e9rieurs ou \u00e9gaux \u00e0 110% ne seront pas concern\u00e9es par cette mesure.<br \/>\nIl importe, aussi, de pr\u00e9ciser que l\u2019institution de ce ratio ne vise pas la r\u00e9duction des cr\u00e9dits \u00e0 l\u2019\u00e9conomie. L\u2019objectif \u00e9tant d\u2019inciter les banques \u00e0 d\u00e9ployer davantage d\u2019effort et \u00e0 \u00eatre plus innovantes en mati\u00e8re de mobilisation des d\u00e9p\u00f4ts de la client\u00e8le moins volatiles et moins on\u00e9reux tout en les amenant \u00e0 asseoir une gestion plus efficace de leur risque de transformation \u00e0 la faveur d\u2019une gestion actifs-passifs (ALM) dynamique.<br \/>\nCette mesure fait suite \u00e0 la constatation du recours excessif des banques \u00e0 des ressources de tr\u00e8s court terme aupr\u00e8s de la BCT induisant ainsi une forte exposition au risque de transformation.<br \/>\nL\u2019adoption du ratio cr\u00e9dits\/d\u00e9p\u00f4ts \u2013 qui est actuellement en discussion avec la profession \u2013 sera limit\u00e9e dans le temps et sera relay\u00e9e par un ratio b\u00e2lois de liquidit\u00e9 \u00e0 long terme qui appr\u00e9hende le risque de liquidit\u00e9 sur la base de l\u2019horizon temporel et des diff\u00e9rentes maturit\u00e9s des \u00e9l\u00e9ments d\u2019actifs et de passifs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Le projet de publication par la Banque Centrale de Tunisie (BCT) d\u2019une nouvelle circulaire pr\u00e9voyant l\u2019obligation pour les banques de respecter un nouveau ratio cr\u00e9dits\/d\u00e9p\u00f4ts a suscit\u00e9 un d\u00e9bat que&hellip;<\/p>\n","protected":false},"author":60,"featured_media":68744,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-126737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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