{"id":13004,"date":"2025-12-05T16:12:00","date_gmt":"2025-12-05T15:12:00","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=13004"},"modified":"2025-12-05T15:20:30","modified_gmt":"2025-12-05T14:20:30","slug":"pourquoi-la-biic-choisit-de-sacrifier-9-de-son-resultat-au-troisieme-trimestre","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2025\/12\/05\/pourquoi-la-biic-choisit-de-sacrifier-9-de-son-resultat-au-troisieme-trimestre\/","title":{"rendered":"Pourquoi la BIIC B\u00e9nin choisit de sacrifier 9 % de son r\u00e9sultat au troisi\u00e8me trimestre"},"content":{"rendered":"\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Banque, La Marina BJ<\/mark><\/strong> \u2014 <strong><em>Au terme du troisi\u00e8me trimestre 2025, la Banque Internationale pour l\u2019Industrie et le Commerce (BIIC) du B\u00e9nin affiche un paradoxe apparent avec une dynamique commerciale robuste, une hausse soutenue de ses revenus, mais un r\u00e9sultat net en recul de 9 %. Derri\u00e8re ce repli, loin d\u2019un signal de fragilit\u00e9, se cache un choix strat\u00e9gique assum\u00e9 de renforcer le provisionnement pour s\u00e9curiser le portefeuille de cr\u00e9dits, dans un contexte prudentiel plus exigeant.<\/em><\/strong><\/p>\n\n\n\n<p>Selon le rapport d\u2019activit\u00e9 consult\u00e9 par La Marina BJ, les performances op\u00e9rationnelles de la BIIC t\u00e9moignent d\u2019un trimestre marqu\u00e9 par une croissance soutenue. Les encours de cr\u00e9dits nets atteignent 1 111,078 milliards FCFA, en progression de 30 % par rapport \u00e0 d\u00e9cembre 2024. Cette hausse s\u2019explique par l\u2019acc\u00e9l\u00e9ration des financements \u00e0 court et moyen terme, confirmant le r\u00f4le de la banque comme acteur cl\u00e9 du financement de l\u2019\u00e9conomie r\u00e9elle. Dans le m\u00eame temps, les d\u00e9p\u00f4ts de la client\u00e8le franchissent le seuil des 1 154,029 milliards FCFA, soit une croissance de 25 %. <\/p>\n\n\n\n<p>Les d\u00e9p\u00f4ts \u00e0 vue comme les d\u00e9p\u00f4ts \u00e0 terme poursuivent leur progression, traduisant la confiance renouvel\u00e9e des clients, particuliers comme entreprises. Ce dynamisme se refl\u00e8te sur le total bilan, qui s\u2019\u00e9tablit \u00e0 1 806,801 milliards FCFA, en hausse de 19 % sur neuf mois.<\/p>\n\n\n\n<h2 id=\"le-prix-de-la-prudence\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Le prix de la prudence<\/mark><\/h2>\n\n\n\n<p>Le Produit Net Bancaire (PNB) progresse nettement pour atteindre 35,945 milliards FCFA au 30 septembre 2025, contre 28,547 milliards un an plus t\u00f4t. Avec une croissance de 26 %, la BIIC signe l\u2019un de ses meilleurs trimestres en mati\u00e8re de revenus bancaires. Cette performance repose essentiellement sur la hausse des revenus d\u2019int\u00e9r\u00eats, aliment\u00e9e par l\u2019augmentation des pr\u00eats et avances \u00e0 la client\u00e8le. Autrement dit, la banque am\u00e9liore sa capacit\u00e9 \u00e0 g\u00e9n\u00e9rer de la marge gr\u00e2ce \u00e0 un volume de cr\u00e9dits en forte expansion. Malgr\u00e9 cette dynamique positive, le r\u00e9sultat net ressort \u00e0 13,128 milliards FCFA, contre 14,362 milliards \u00e0 la m\u00eame p\u00e9riode en 2024, soit un recul de 9 %. Un mouvement qui pourrait surprendre au regard de l\u2019augmentation du PNB.<\/p>\n\n\n\n<p>La raison n\u2019est ni op\u00e9rationnelle ni commerciale, mais prudentielle, selon l\u2019analyse de notre sp\u00e9cialiste \u00e0 la r\u00e9daction. Face \u00e0 l\u2019\u00e9volution de son portefeuille, la BIIC, explique-t-il, \u00ab a opt\u00e9 pour un renforcement du co\u00fbt du risque, autrement dit une augmentation des provisions destin\u00e9es \u00e0 couvrir d\u2019\u00e9ventuels d\u00e9fauts de paiement \u00bb. Ce choix se traduit m\u00e9caniquement par une contraction du r\u00e9sultat net : moins de b\u00e9n\u00e9fice aujourd\u2019hui pour davantage de s\u00e9curit\u00e9 demain.<\/p>\n\n\n\n<p>Dans un environnement bancaire marqu\u00e9 par une vigilance accrue des r\u00e9gulateurs et une volatilit\u00e9 \u00e9conomique persistante, la d\u00e9cision de la BIIC s\u2019inscrit dans une logique de gestion anticipative des risques. En renfor\u00e7ant ses provisions, la banque prot\u00e8ge son bilan contre d\u2019\u00e9ventuels chocs futurs et am\u00e9liore la r\u00e9silience de ses activit\u00e9s. Cet arbitrage r\u00e9v\u00e8le une hi\u00e9rarchie claire des priorit\u00e9s : la solidit\u00e9 financi\u00e8re avant la rentabilit\u00e9 imm\u00e9diate, la qualit\u00e9 des actifs avant la seule performance comptable, la prudence avant la prise de risque excessive. Cette strat\u00e9gie est d\u2019autant plus notable qu\u2019elle intervient dans un trimestre o\u00f9 tous les indicateurs d\u2019activit\u00e9 sont orient\u00e9s \u00e0 la hausse.<\/p>\n\n\n\n<h2 id=\"une-trajectoire-de-long-terme-assumee-pour-la-fin-dannee\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Une trajectoire de long terme assum\u00e9e pour la fin d\u2019ann\u00e9e<\/mark><\/h2>\n\n\n\n<p>Pour le dernier trimestre de l\u2019ann\u00e9e, la BIIC annon\u00e7e la poursuite de sa strat\u00e9gie de croissance ma\u00eetris\u00e9e \u00e0 savoir l&rsquo;intensification des actions commerciales, gestion rigoureuse des risques et discipline accrue sur les charges de fonctionnement. <\/p>\n\n\n\n<p>\u00c0 travers ce choix de renforcer ses provisions, la BIIC \u2014 inscrite \u00e0 la cote de la BRVM depuis avril 2025\u2014 envoie un signal clair au march\u00e9. Elle veut cro\u00eetre, mais elle veut cro\u00eetre durablement. Dans un secteur bancaire o\u00f9 la solidit\u00e9 compte autant que la performance, l\u2019institution privil\u00e9gie si on peut le dire une trajectoire de long terme, quitte \u00e0 sacrifier une partie de son r\u00e9sultat imm\u00e9diat.<\/p>\n","protected":false},"excerpt":{"rendered":"Banque, La Marina BJ \u2014 Au terme du troisi\u00e8me trimestre 2025, la Banque Internationale pour l\u2019Industrie et le&hellip;\n","protected":false},"author":10,"featured_media":13005,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[191],"tags":[1613,1129],"class_list":{"0":"post-13004","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-en-savoir-plus-2","8":"tag-biic-benin","9":"tag-rapport-dactivites","10":"cs-entry","11":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - 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