{"id":54649,"date":"2025-09-01T10:51:30","date_gmt":"2025-09-01T08:51:30","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=54649"},"modified":"2025-10-17T11:30:51","modified_gmt":"2025-10-17T09:30:51","slug":"54649-2","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/54649-2\/","title":{"rendered":"Des banques plus r\u00e9sistantes, mais avec des retards."},"content":{"rendered":"

 <\/p>\n

\"Autorit\u00e9<\/p>\n

 <\/p>\n

\u00a0 \u00a0 \u00a0L'Autorit\u00e9 bancaire europ\u00e9enne est sur le point de conclure son test de r\u00e9sistance 2025, pla\u00e7ant 64 des principales banques de la zone euro dans une situation plus grave que celle de la crise de 2008. Malgr\u00e9 une crise simul\u00e9e du PIB de -6,3 % et des pertes de 500 000 millions d'euros, les banques ont fait preuve d'une plus grande r\u00e9silience, gr\u00e2ce \u00e0 des fonds propres plus importants et \u00e0 l'augmentation r\u00e9cente de leur rentabilit\u00e9.<\/strong><\/p>\n

\"Les avantages nets \u00e9lev\u00e9s offrent un moyen important d'absorber les pertes en mati\u00e8re de sant\u00e9 publique.
\nescenario adverso\", afirma Carla Azor\u00ed<\/strong>Gestionnaire des affaires r\u00e9glementaires de Pr\u00e9cision<\/strong>. Seg\u00fan detalla, los
\nLes r\u00e9sultats \"serviront de base pour que les entreprises maintiennent le dialogue avec le superviseur et comprennent les actions de gestion les plus pertinentes, comme la planification du capital, y compris la distribution des fonds propres.
\nles \"dividendes\".<\/p>\n

Tambi\u00e9n repara en que en estas pruebas se ha producido una implicaci\u00f3n directa del BCE en ciertos c\u00e1lculos por primera vez. Jusqu'\u00e0 pr\u00e9sent, ce sont les banques qui effectuaient les calculs \u00e0 partir du sc\u00e9nario fourni par les autorit\u00e9s et qui les v\u00e9rifiaient par la suite. Ahora cambia. \"Cette fois, l'institution a centralis\u00e9 les calculs sur la marge nette d'int\u00e9r\u00eats. C'est un premier pas vers une \u00e9ventuelle centralisation plus large des calculs de la part de la BCE, qui commence \u00e0 accumuler suffisamment de donn\u00e9es pour y parvenir. Pero tambi\u00e9n ser\u00eda \"una espada de doble filo\". Si bien se aligera la carga de tratamiento de datos para los bancos, tambi\u00e9n se reduce su margen de maniobra\" , analiza.<\/p>\n

Nous vous invitons \u00e0 nous faire part de votre opinion sur les r\u00e9sultats des tests, ainsi que de celle de notre partenaire, Philippe Wust<\/strong>, dans un art\u00edculo recientemente publicado en Eleconomista.es.<\/strong><\/p>\n

Les banques plus r\u00e9sistantes, mais avec des retomb\u00e9es \u00e0 l'horizon<\/a><\/p>","protected":false},"excerpt":{"rendered":"

    \u00a0 \u00a0 \u00a0La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. A pesar de enfrentarse a una ca\u00edda simulada del PIB del -6,3 % y p\u00e9rdidas de […]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[319,17],"tags":[],"class_list":["post-54649","post","type-post","status-publish","format-standard","hentry","category-es-press","category-spain"],"acf":[],"yoast_head":"\nBancos m\u00e1s resilientes, pero con retos por delante. - Accuracy<\/title>\n<meta name=\"description\" content=\"La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. A pesar de enfrentarse a una ca\u00edda simulada del PIB del -6,3 % y p\u00e9rdidas de 500.000 millones de euros, los bancos han demostrado una mayor resiliencia, gracias a colchones de capital m\u00e1s s\u00f3lidos y al reciente aumento de su rentabilidad.\" \/>\n<meta name=\"robots\" content=\"noindex,nofollow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accuracy.com\/fr\/54649-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancos m\u00e1s resilientes, pero con retos por delante.\" \/>\n<meta property=\"og:description\" content=\"La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. 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