{
    "id": 34336,
    "date": "2024-02-22T11:16:06",
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    "modified": "2024-06-27T18:42:49",
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    "slug": "togo-le-dynamisme-de-lactivite-bancaire",
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    "title": {
        "rendered": "Togo &#8211; Le dynamisme de l\u2019activit\u00e9 bancaire"
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Dans le rapport Doing Business 2020, le pays s\u2019est hiss\u00e9 au premier rang des pays r\u00e9formateurs en Afrique et tient la troisi\u00e8me place mondiale.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70c424c ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"70c424c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0178ac8 e-con-full droppable e-flex e-con e-child\" data-id=\"0178ac8\" data-element_type=\"container\" id=\"Ele2A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0203eae elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0203eae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-deab21b e-flex e-con-boxed e-con e-parent\" data-id=\"deab21b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea61b46 e-transform elementor-widget elementor-widget-text-editor\" data-id=\"ea61b46\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Avec les r\u00e9formes impuls\u00e9es par le Chef de l\u2019Etat, et op\u00e9r\u00e9es notamment gr\u00e2ce \u00e0 la mise en place d\u2019une cellule d\u00e9di\u00e9e au climat des affaires, le Togo offre un cadre des affaires comp\u00e9titif. Les op\u00e9rateurs \u00e9conomiques nationaux et \u00e9trangers b\u00e9n\u00e9ficient des avantages d\u2019un pays s\u00fbr, stable et \u00e9conomiquement souple. Une autre mesure phare de cette politique volontariste d\u2019am\u00e9lioration du climat des affaires est l\u2019op\u00e9rationnalisation de l\u2019Agence de promotion des investissements et de la zone franche (API-ZF). La th\u00e9saurisation est de plus en plus \u00e9vit\u00e9e, les march\u00e9s publics sont exempts des proc\u00e9dures complexes, les entrepreneurs sont encourag\u00e9s, la cr\u00e9ation d\u2019entreprises est devenue ais\u00e9e, les politiques d\u2019emplois de jeunes se multiplient, l\u2019eau et l\u2019\u00e9lectricit\u00e9 sont \u00e0 des co\u00fbts abordables, l\u2019industrialisation nationale est en plein essor et les agriculteurs sont soutenus. En 2020, les banques commerciales ont accord\u00e9 un peu plus de 615 milliards FCFA de financements aux acteurs \u00e9conomiques, portant l\u2019encours de cr\u00e9dits du secteur \u00e0 plus de 1 428 milliards FCFA. Les nouveaux cr\u00e9dits s\u2019inscrivent toutefois en baisse de 7% par rapport aux 662 milliards FCFA octroy\u00e9s en 2019.<\/p>\n<p>Quant aux cr\u00e9dits octroy\u00e9s par les institutions de microfinance aux op\u00e9rateurs \u00e9conomiques, ils ont cr\u00fb pour atteindre 37 milliards au premier trimestre 2021, contre 36 milliards un an auparavant. Les institutions de microfinance du Togo accordent des pr\u00eats aux particuliers et aux groupes. Ces pr\u00eats sont souvent adoss\u00e9s \u00e0 des garanties et des cautions. La client\u00e8le se divise de fa\u00e7on \u00e0 peu pr\u00e8s \u00e9gale entre hommes et femmes, un peu plus de la moiti\u00e9 des pr\u00eats (50,2%) ont \u00e9t\u00e9 par cons\u00e9quent octroy\u00e9s aux femmes. Les conditions de pr\u00eats sont semblables d\u2019une institution \u00e0 l\u2019autre.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2ba6b8 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"d2ba6b8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d9072c3 e-con-full droppable e-flex e-con e-child\" data-id=\"d9072c3\" data-element_type=\"container\" id=\"Ele3A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-664b9ed elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"664b9ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72d683f e-flex e-con-boxed e-con e-parent\" data-id=\"72d683f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-988f81a e-transform elementor-widget elementor-widget-text-editor\" data-id=\"988f81a\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: var(--base-3);\">Il reste des zones d\u2019ombre. Ainsi, le financement de l\u2019agriculture par les banques togolaises est toujours faible. Sur les 9 premiers mois de 2021, l\u2019agriculture a repr\u00e9sent\u00e9 1,4% des montants des nouvelles mises en place de cr\u00e9dits bancaires. Un vrai paradoxe quand on sait que l\u2019agriculture reste un pilier de croissance de l\u2019\u00e9conomie mais toujours sous-financ\u00e9e.<\/span><\/p>\n<p>Mais, l\u2019agriculture n\u2019est pas le seul parent pauvre du financement bancaire. L\u2019artisanat sur la m\u00eame p\u00e9riode 2021, occupait 2,8% des concours globaux des banques.<\/p>\n<p>Pour 2022, le Ministre de L\u2019Economie et des Finances a formul\u00e9 le v\u0153u que des efforts soient faits en termes d\u2019am\u00e9lioration du financement des secteurs de l\u2019agriculture et de l\u2019habitat au Togo. Autres chantiers phares de l\u2019\u00e9conomie pour l\u2019ann\u00e9e 2022 afin d\u2019am\u00e9liorer le volume de financement :\u00a0 la baisse des taux d\u2019int\u00e9r\u00eat d\u00e9biteurs pratiqu\u00e9s par les banques et une mobilisation plus accrue de ressources par les Petites et Moyennes Entreprises \u00e0 travers le Dispositif d\u2019accompagnement des PME. Sur les neuf premiers mois de l\u2019ann\u00e9e 2021, le montant total des cr\u00e9dits accord\u00e9s par l\u2019ensemble des banques \u00e0 travers le dispositif PME est ressorti \u00e0 16 milliards de F CFA, soit 3% des nouveaux concours bancaires, contre 43 milliards de F CFA (7%) en 2020 et 36 milliards de F CFA (5%) en 2019. Il faut noter qu\u2019en d\u00e9pit des baisses enregistr\u00e9es \u00e0 fin septembre 2021, les taux bruts de d\u00e9gradation du portefeuille de cr\u00e9dits des banques et des syst\u00e8mes financiers d\u00e9centralis\u00e9s sont rest\u00e9s \u00e0 des niveaux \u00e9lev\u00e9s de 15% et 8% au 30 septembre 2021.<\/p>\n<div>\u00a0<b>OPPORTUNITES<\/b><br \/>L\u2019Etat a lanc\u00e9 le processus de privatisation des banques publiques (BTCI et UTB) et \u00e0 ce jour l\u2019Union Togolaise des Banques (UTB) est toujours sur le march\u00e9 pour d\u2019\u00e9ventuels investisseurs. L\u2019acc\u00e9l\u00e9ration de la digitalisation de produits et services bancaires induite par la crise sanitaire, est d\u2019autant d\u2019opportunit\u00e9s pour tous les prestataires de services dans ce domaine au regard des besoins des institutions financi\u00e8res de la place d\u2019une part et de la n\u00e9cessit\u00e9 de mutualisation des co\u00fbts pour une bonne maitrise des coefficients d\u2019exploitation des banques d\u2019autre part.<\/div>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a72ac4 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"1a72ac4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77f4659 e-con-full droppable e-flex e-con e-child\" data-id=\"77f4659\" data-element_type=\"container\" id=\"Ele4A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e6884c elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0e6884c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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        "rendered": "<p>Le dynamisme de l\u2019activit\u00e9 bancaire est cons\u00e9cutif \u00e0 un climat des affaires assaini\u00a0et attractif. Dans le rapport Doing Business 2020, le pays s\u2019est hiss\u00e9 au premier rang des pays r\u00e9formateurs en Afrique et tient la troisi\u00e8me place mondiale. Avec les r\u00e9formes impuls\u00e9es par le Chef de l\u2019Etat, et op\u00e9r\u00e9es notamment gr\u00e2ce \u00e0 la mise en &#8230; <a title=\"Togo &#8211; Le dynamisme de l\u2019activit\u00e9 bancaire\" class=\"read-more\" href=\"https:\/\/africa.yearbook-media.com\/fr\/togo-le-dynamisme-de-lactivite-bancaire\/\" aria-label=\"Plus sur Togo &#8211; Le dynamisme de l\u2019activit\u00e9 bancaire\">Lire plus<\/a><\/p>",
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