{"id":51811,"date":"2025-01-01T11:33:01","date_gmt":"2025-01-01T10:33:01","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=51811"},"modified":"2025-02-24T11:39:24","modified_gmt":"2025-02-24T10:39:24","slug":"banques-europeennes-un-ecart-de-plus-en-plus-grand-avec-les-etats-unis","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/european-banks-an-ever-widening-gap-with-the-united-states\/","title":{"rendered":"Banques europ\u00e9ennes : un \u00e9cart de plus en plus grand avec les \u00c9tats-Unis"},"content":{"rendered":"
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Banques europ\u00e9ennes : un \u00e9cart de plus en plus grand avec les \u00c9tats-Unis<\/strong><\/p>

L'\u00e9cart entre les banques am\u00e9ricaines et europ\u00e9ennes est colossal, tant en termes de taille que de price to book. Malheureusement, il est peu probable que cela change \u00e0 court terme, et ce pour plusieurs raisons : premi\u00e8rement, parce que la r\u00e9\u00e9lection de Trump a ouvert la voie \u00e0 un assouplissement des r\u00e9glementations, ce qui cr\u00e9era de nouveaux avantages concurrentiels pour les banques am\u00e9ricaines ; deuxi\u00e8mement, parce que le march\u00e9 europ\u00e9en \u00e9prouve de r\u00e9elles difficult\u00e9s \u00e0 se consolider, en partie pour des raisons politiques.<\/span><\/p>

Les banques coop\u00e9ratives allemandes entach\u00e9es par une s\u00e9rie de scandales <\/strong>(<\/span>Message sur LinkedIn<\/a>)<\/span><\/p>

Le paysage bancaire allemand traverse une p\u00e9riode difficile, marqu\u00e9e principalement par des acquisitions et des tensions politiques. La prise de participation d'UniCredit dans Commerzbank illustre cette dynamique, en soulevant des inqui\u00e9tudes sur la souverainet\u00e9 bancaire. Dans le m\u00eame temps, BNPP a renforc\u00e9 sa pr\u00e9sence en acqu\u00e9rant la filiale de banque priv\u00e9e de HSBC. Ces mouvements refl\u00e8tent la relative fragilit\u00e9 d'un secteur confront\u00e9 \u00e0 une \u00e9conomie en difficult\u00e9 et \u00e0 un march\u00e9 du cr\u00e9dit moribond.<\/span><\/p>

Cette p\u00e9riode est \u00e9galement marqu\u00e9e par des difficult\u00e9s au sein des banques coop\u00e9ratives, qui se retrouvent en proie \u00e0 des scandales qui ternissent leur r\u00e9putation et mettent en \u00e9vidence des failles dans les m\u00e9canismes de contr\u00f4le. Cependant, leur filet de s\u00e9curit\u00e9 et leur mod\u00e8le de proximit\u00e9 continuent de garantir leur r\u00e9silience, reconnue par les agences de notation et \u00e0 laquelle la f\u00e9d\u00e9ration mutualiste contribue par des mesures visant \u00e0 renforcer les contr\u00f4les.<\/span><\/p>

Ces deux \u00e9l\u00e9ments de contexte - l'intrusion d'acteurs \u00e9trangers et les difficult\u00e9s du secteur coop\u00e9ratif - sont la cons\u00e9quence, au moins en partie, d'une des sp\u00e9cificit\u00e9s de ce march\u00e9 : le march\u00e9 bancaire allemand est tr\u00e8s fragment\u00e9. En effet, \u00e0 l'exception de deux grandes banques, il est extr\u00eamement divis\u00e9 : il compte environ 1 400 banques, dont 400 dans le secteur public et pr\u00e8s de 800 coop\u00e9ratives. Le march\u00e9 devra probablement \u00eatre restructur\u00e9 s'il veut survivre.<\/span><\/p>

Fusions bancaires transfrontali\u00e8res en Europe : mythe ou r\u00e9alit\u00e9 ? <\/strong>(<\/span>Message sur LinkedIn<\/a>)<\/span><\/p>

Les march\u00e9s bancaires europ\u00e9ens sont relativement diversifi\u00e9s. En France, depuis plus de 20 ans, les banques se concentrent autour de six acteurs majeurs, avec une rentabilit\u00e9 tr\u00e8s mod\u00e9r\u00e9e sur les activit\u00e9s domestiques de d\u00e9tail. \u00c0 l'inverse, l'Allemagne, l'Italie et l'Espagne sont tr\u00e8s fragment\u00e9es - en particulier l'Allemagne, avec ses 1 400 banques, dont pr\u00e8s de 400 dans le secteur public et pr\u00e8s de 800 banques coop\u00e9ratives.<\/span><\/p>

Ces divergences se traduisent par des priorit\u00e9s diff\u00e9rentes. La France cherche \u00e0 renforcer son mod\u00e8le universel en diversifiant ses m\u00e9tiers - vers les services financiers et la gestion d'actifs notamment - et sa pr\u00e9sence g\u00e9ographique, principalement en Europe. En revanche, l'Italie et l'Espagne misent d'abord sur la consolidation domestique, avec des cibles comme Banco BPM ou Sabadell. Cependant, on ne peut pas dire que les autorit\u00e9s publiques soient d'une grande aide.<\/span><\/p>

En cons\u00e9quence, les fusions transfrontali\u00e8res, qui sont cruciales pour pouvoir rivaliser avec les banques am\u00e9ricaines, sont rares. Les r\u00e8gles sur la non-fongibilit\u00e9 des capitaux et des liquidit\u00e9s, combin\u00e9es aux diff\u00e9rences de pratiques, de produits et d'infrastructures informatiques, compliquent ces fusions. Ces obstacles s'opposent \u00e0 l'\u00e9mergence de champions europ\u00e9ens capables d'exploiter pleinement les synergies potentielles, privant l'Europe d'acteurs bancaires de classe mondiale.<\/span><\/p>

L'\u00e9cart de valorisation croissant entre les banques am\u00e9ricaines et europ\u00e9ennes<\/strong> (<\/span>Message sur LinkedIn<\/a>)<\/span><\/p>

Comme nous l'avons d\u00e9j\u00e0 mentionn\u00e9, les valorisations des banques europ\u00e9ennes sont consid\u00e9rablement inf\u00e9rieures \u00e0 celles de leurs homologues am\u00e9ricaines. JPMorgan, avec une valeur de plus de $700 milliards, vaut aujourd'hui plus que les dix premi\u00e8res banques europ\u00e9ennes r\u00e9unies. Plusieurs raisons expliquent cet \u00e9cart : la croissance plus forte de l'\u00e9conomie am\u00e9ricaine, des mod\u00e8les d'entreprise \u00e0 plus forte marge dans la banque de d\u00e9tail et la domination des march\u00e9s de capitaux par des quasi-oligopoles tr\u00e8s lucratifs.<\/span><\/p>

La fragmentation du march\u00e9 bancaire europ\u00e9en exacerbe cette disparit\u00e9. L'inach\u00e8vement de l'Union bancaire, coupl\u00e9 \u00e0 des r\u00e9glementations qui entravent la libre circulation des liquidit\u00e9s, freine la consolidation transfrontali\u00e8re. Contrairement \u00e0 la France, o\u00f9 les banques sont concentr\u00e9es, des pays comme l'Italie et l'Allemagne n'ont pas encore achev\u00e9 leur consolidation domestique, de sorte que l'Europe ne dispose pas de v\u00e9ritables champions pour rivaliser avec Wall Street.<\/span><\/p>

L'avenir n'est pas de bon augure. La seconde administration de Trump promet une plus grande d\u00e9r\u00e9gulation, renfor\u00e7ant encore la comp\u00e9titivit\u00e9 des banques am\u00e9ricaines. En Europe, les r\u00e9formes n\u00e9cessaires \u00e0 l'harmonisation des march\u00e9s progressent lentement. Pour contrer la mont\u00e9e en puissance des \u00c9tats-Unis, les recommandations du rapport Draghi doivent \u00eatre mises en \u0153uvre rapidement. Dans le cas contraire, le foss\u00e9 transatlantique risque de se creuser davantage.<\/span><\/p>

Nicolas Darbo, associ\u00e9, Accuracy<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

European banks: an ever-widening gap with the United States The gap between US and European banks is colossal, both in size and in price to book. Unfortunately, this is unlikely to change in the short term for various reasons: first, because Trump\u2019s re-election has opened the way to easing regulations, which will create new competitive […]<\/p>\n","protected":false},"author":42,"featured_media":51818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[212,265],"tags":[],"class_list":["post-51811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysis","category-financial-services-banking-insurance-analysis"],"acf":[],"yoast_head":"\nEuropean banks: an ever-widening gap with the United States - Accuracy<\/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:\/\/www.accuracy.com\/fr\/banques-europeennes-un-ecart-de-plus-en-plus-grand-avec-les-etats-unis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"European banks: an ever-widening gap with the United States\" \/>\n<meta property=\"og:description\" content=\"European banks: an ever-widening gap with the United States The gap between US and European banks is colossal, both in size and in price to book. 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