{"id":55046,"date":"2025-09-11T15:09:30","date_gmt":"2025-09-11T13:09:30","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=55046"},"modified":"2025-09-11T15:12:30","modified_gmt":"2025-09-11T13:12:30","slug":"les-banques-sont-plus-resistantes-mais-des-defis-restent-a-relever","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/banks-are-more-resilient-but-challenges-lie-ahead\/","title":{"rendered":"Les banques sont plus r\u00e9sistantes, mais il reste des d\u00e9fis \u00e0 relever"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"55046\" class=\"elementor elementor-55046\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8aa1e7 e-flex e-con-boxed e-con e-parent\" data-id=\"c8aa1e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29ad7ae elementor-widget elementor-widget-text-editor\" data-id=\"29ad7ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Avec 64 banques participantes et un sc\u00e9nario d\u00e9favorable s\u00e9v\u00e8re mais plausible pour la p\u00e9riode 2025-2027, la r\u00e9cente conclusion du test de r\u00e9sistance 2025 par l'Autorit\u00e9 bancaire europ\u00e9enne (ABE) donne un aper\u00e7u de la r\u00e9silience des principales banques de la zone euro dans un contexte d'incertitude mondiale croissante. <strong>Le sc\u00e9nario \u00e9conomique d\u00e9favorable envisag\u00e9 est plus s\u00e9v\u00e8re que celui de la crise financi\u00e8re de 2008 et des \u00e9volutions macro\u00e9conomiques r\u00e9centes, avec un PIB r\u00e9el dans la zone euro de 1,5 milliard d'euros. <\/strong><a href=\"https:\/\/www.eleconomista.es\/legal\/noticias\/13495414\/08\/25\/la-adscripcion-a-dos-salas-de-los-jueces-es-compatible-con-el-derecho-de-la-union-europea.html\">Union europ\u00e9enne<\/a><strong> (UE) de -6,3% entre le point de d\u00e9part en 2024 et la fin de la p\u00e9riode de tension en 2027.<\/strong> En outre, l'ABE a effectu\u00e9 des analyses de sensibilit\u00e9 compl\u00e9mentaires pour \u00e9tudier comment des variables cl\u00e9s, telles que les taux d'int\u00e9r\u00eat ou les tarifs, pourraient s'\u00e9carter du sc\u00e9nario d\u00e9favorable. Ces analyses illustrent le potentiel de pertes plus prononc\u00e9es dans des secteurs sp\u00e9cifiques dans d'autres conditions macro\u00e9conomiques, soulignant la n\u00e9cessit\u00e9 de cadres de gestion des risques plus adaptables.<\/p><p>Les banques de la zone euro, soutenues par une d\u00e9cennie de renforcement des fonds propres et une meilleure rentabilit\u00e9 due \u00e0 la r\u00e9cente hausse des taux d'int\u00e9r\u00eat, ont fait preuve d'une plus grande capacit\u00e9 \u00e0 r\u00e9sister \u00e0 des chocs d\u00e9favorables que par le pass\u00e9. En particulier, les pertes totales de l'exercice se sont \u00e9lev\u00e9es \u00e0 environ 500 milliards d'euros, ce qui s'est traduit par une r\u00e9duction du capital de -370 points de base, un chiffre plus robuste que celui enregistr\u00e9 dans les r\u00e9sultats de l'exercice 2023. En termes absolus, ce chiffre est comparable \u00e0 celui de cette ann\u00e9e. <a href=\"https:\/\/www.eleconomista.es\/mercados-cotizaciones\/noticias\/13500772\/08\/25\/el-precio-del-oro-cae-con-fuerza-a-la-espera-de-que-eeuu-aclare-si-el-metal-va-a-soportar-aranceles.html\">\u00c9TATS-UNIS<\/a> bien que plus s\u00e9v\u00e8re en termes relatifs (r\u00e9duction du capital). La m\u00e9thodologie utilis\u00e9e int\u00e8gre des hypoth\u00e8ses simplificatrices, telles que l'exclusion des mesures correctives ou adaptatives sur la p\u00e9riode de trois ans, le maintien du bilan des banques \u00e0 un niveau constant malgr\u00e9 le choc \u00e9conomique, et la prise en compte d'une couverture conservatrice \u00e9tablie par l'ABE. Ces hypoth\u00e8ses, introduites pour assurer la comparabilit\u00e9, sont consid\u00e9r\u00e9es par les institutions comme peu pertinentes d'un point de vue \u00e9conomique.<\/p><p>Comme il ne s'agit pas d'un test de r\u00e9ussite ou d'\u00e9chec, la BCE va au-del\u00e0 des r\u00e9sultats quantitatifs et, en donnant plus de poids aux \u00e9valuations qualitatives, a identifi\u00e9 des d\u00e9ficiences, en particulier dans les syst\u00e8mes de reporting internes et l'agr\u00e9gation des donn\u00e9es sur les risques. L'exercice a \u00e9t\u00e9 particuli\u00e8rement exigeant d'un point de vue op\u00e9rationnel, car les calculs ont \u00e9t\u00e9 effectu\u00e9s pour la premi\u00e8re fois, et \u00e0 l'avance, dans le nouveau cadre r\u00e9glementaire CRR3, qui limite les avantages en termes de fonds propres attribuables aux mod\u00e8les internes. Cependant, <strong>les <\/strong><a href=\"https:\/\/www.eleconomista.es\/economia\/noticias\/13495166\/08\/25\/el-bce-advierte-que-la-guerra-arancelaria-entre-eeuu-y-china-podria-afectar-a-casi-un-tercio-del-empleo-de-la-eurozona.html\"><strong>BCE<\/strong><\/a><strong> a intensifi\u00e9 son examen des demandes en proc\u00e9dant \u00e0 des contr\u00f4les de qualit\u00e9 sur place.<\/strong> Certaines institutions peuvent d\u00e9sormais faire l'objet d'un suivi prudentiel plus d\u00e9taill\u00e9, notamment en ce qui concerne la gouvernance des mod\u00e8les et les cadres de simulation de crise. Cet exercice a combin\u00e9 un nouveau cadre r\u00e9glementaire avec des exigences accrues en mati\u00e8re de surveillance, offrant un aper\u00e7u des d\u00e9fis \u00e0 venir.<\/p><p>D'ici \u00e0 2026 et au-del\u00e0, l'exercice devrait encore \u00e9voluer. L'ABE \u00e9tudie actuellement le r\u00f4le des \u00e9l\u00e9ments descendants dans les tests de r\u00e9sistance \u00e0 l'\u00e9chelle europ\u00e9enne, en mettant particuli\u00e8rement l'accent sur le risque de cr\u00e9dit. L'exercice 2023 a introduit un mod\u00e8le descendant pour projeter les revenus nets de commissions, tandis que l'exercice 2025 a \u00e9galement centralis\u00e9 les projections sur les revenus nets d'int\u00e9r\u00eats. Climat et <a href=\"https:\/\/www.eleconomista.es\/opinion\/noticias\/13383382\/05\/25\/la-agenda-asg-un-elemento-indispensable-en-la-gobernanza-empresarial.html\">GSE<\/a> ont jusqu'\u00e0 pr\u00e9sent \u00e9t\u00e9 \u00e9valu\u00e9s dans le cadre d'exercices parall\u00e8les et sp\u00e9cifiques, mais les autorit\u00e9s de surveillance pourraient les int\u00e9grer dans le cadre principal. En effet, au lieu de traiter les risques physiques et de transition comme des risques marginaux, les sc\u00e9narios futurs pourraient int\u00e9grer directement des ph\u00e9nom\u00e8nes tels que des hausses d\u00e9sordonn\u00e9es des prix du carbone ou des ph\u00e9nom\u00e8nes m\u00e9t\u00e9orologiques extr\u00eames, obligeant les banques \u00e0 \u00e9valuer l'impact des actifs \u00e9chou\u00e9s ou des d\u00e9faillances li\u00e9es au climat. Le sc\u00e9nario 2025 s'est toutefois concentr\u00e9 sur la fragmentation g\u00e9opolitique - les tarifs douaniers et les hausses des prix de l'\u00e9nergie - et le d\u00e9veloppement suivant indique des exercices sp\u00e9cifiques de type \"jeu de guerre\". <strong>La BCE pr\u00e9voit des tests de r\u00e9sistance invers\u00e9s sur les chocs g\u00e9opolitiques afin d'\u00e9valuer si de brusques coupures d'\u00e9nergie, des cyberincidents \u00e0 grande \u00e9chelle ou l'effondrement du commerce international pourraient d\u00e9clencher des tensions syst\u00e9miques.<\/strong> Dans un contexte d'incertitude g\u00e9opolitique, ces sc\u00e9narios seront essentiels pour la surveillance prudentielle.<\/p><p>En substance, l'exercice 2025 a transform\u00e9 les tests de r\u00e9sistance de simples outils de conformit\u00e9 en outils de supervision proactifs. Ils servent d\u00e9sormais \u00e0 orienter la configuration des r\u00e9serves de capital, \u00e0 d\u00e9tecter les lacunes en mati\u00e8re de gouvernance et \u00e0 exiger des banques qu'elles disposent de cadres de risque souples et fond\u00e9s sur des donn\u00e9es. <strong>Dans l'avenir imm\u00e9diat, les institutions devront \u00eatre capables non seulement de r\u00e9sister \u00e0 une r\u00e9cession, mais aussi de faire face aux crises climatiques et aux chocs g\u00e9opolitiques.<\/strong> Entre les cycles biennaux, des exercices th\u00e9matiques sp\u00e9cifiques - sur la cyber-r\u00e9silience, le stress de liquidit\u00e9 ou les risques climatiques - retiendront l'attention des banques et des superviseurs. Ces derni\u00e8res, en collectant davantage de donn\u00e9es aupr\u00e8s du syst\u00e8me bancaire, tendront vers un exercice davantage dirig\u00e9 par les superviseurs, qui serait moins exigeant sur le plan op\u00e9rationnel pour les institutions, mais probablement plus standardis\u00e9.<br \/><br \/><\/p><hr \/><p><strong>Carla Azori, responsable des affaires r\u00e9glementaires, Accuracy<\/strong><br \/><strong>Philippe W\u00fcst, 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":"<p>With 64 banks participating and a severe but plausible adverse scenario for the period 2025\u20132027, the recent conclusion of the 2025 stress test by the European Banking Authority (EBA) provides a snapshot of the resilience of major banks in the eurozone in a context of increasing global uncertainty. The adverse economic scenario envisaged is more [&hellip;]<\/p>\n","protected":false},"author":42,"featured_media":55048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[212,265],"tags":[],"class_list":["post-55046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysis","category-financial-services-banking-insurance-analysis"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banks are more resilient, but challenges lie ahead - 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\/les-banques-sont-plus-resistantes-mais-des-defis-restent-a-relever\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks are more resilient, but challenges lie ahead\" \/>\n<meta property=\"og:description\" content=\"With 64 banks participating and a severe but plausible adverse scenario for the period 2025\u20132027, the recent conclusion of the 2025 stress test by the European Banking Authority (EBA) provides a snapshot of the resilience of major banks in the eurozone in a context of increasing global uncertainty. 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