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Raif Mokretar-Karroubi * “Le plus important, réformer le management des banques” - Algerie360
Dans cet entretien, ce spécialiste financier décline les principales solutions pour rendre les banques algériennes plus performantes.
Le collectif Nabni : Toutes les parties prenantes convergent sur la nécessité de réformer le secteur bancaire algérien. Qu’est-ce qui entrave selon vous cette réforme sans cesse reportée ?
Raif Mokretar : Vous pensez bien que la liste est hélas très longue ! Si je devais en sélectionner les 3 plus graves, pas forcément dans l’ordre : Il n’y a pas de concurrence interbancaire, et le marché fonctionne encore comme une sorte d’oligopole de par les barrières à l’entrée qui font que le paysage bancaire n’a pas beaucoup changé dans le temps. Pourtant, des dizaines de banques (parfois leaders sur certains marchés) voulant s’installer en Algérie voient leurs dossiers demeurer sans réponse. Il est vrai que celles qui sont déjà installées (les privées notamment) se contentent trop souvent de niches où le couple risque/rendement est anormalement optimal (Comex, accompagnement de clients de la maison mère…) et les banques publiques ne peuvent pas encore être évaluées sur la base de leur performance réelle, car leurs décisions stratégiques et parfois leur gestion ne sont toujours pas vraiment indépendantes. Il est néanmoins choquant pour un banquier de constater que les produits proposés par toutes les banques sont pratiquement uniformes et sont facturés identiquement, indépendamment du risque du client. Il est difficile de trouver un équivalent français au mot “accountability”, mais je pense que la responsabilité constitue un élément fondamental de la difficulté à réformer. En d’autres termes, les managers de banque ne sont pas forcément traités de façon cohérente par rapport à leur performance. Ceci est lié au système de rémunération mais également à la pénalisation de l’acte de gestion qui reste une épée de Damoclès et qui est facilement utilisée comme alibi justifiant l’immobilisme. La capacité de mise en œuvre des réformes est un problème objectif à tous les niveaux. Pour exprimer cela de façon plus concrète : tant que les réformes consistent en des séries de recommandations présentées aux décisionnaires, cela ne pose aucun problème. En revanche, dès lors qu’il s’agit de prendre des décisions, donner des instructions et descendre monitorer leur mise en œuvre sur le terrain, les choses sont moins fluides. Je dis problème objectif, car il ne s’agit pas toujours de mauvaise volonté. Le plus souvent, c’est simplement un manque d’expérience dans la gestion opérationnelle de projet qui fait que les choses ne se traduisent pas concrètement par des actes sur le terrain. À cet effet, la solution des Delivery Units utilisée par pas mal de pays comparables est illustrative à plus d’un titre et pourrait constituer une solution partielle à ce problème.
L’ouverture de capital d’une ou deux banques publiques est-elle de nature à enclencher une nouvelle dynamique dans le secteur ?
Scientifiquement parlant, absolument rien ne démontre aujourd’hui un quelconque lien entre la propriété du capital et la performance d’une banque. Ce qui est assez surprenant, car l’attitude dominante est celle qui consiste à dire qu’une banque privée devrait mieux fonctionner qu’une banque publique ; eh bien non, et les contre-exemples se comptent par centaines et la crise de 2008 l’a démontré en Extrême-Orient, en Amérique du Nord, en Scandinavie… Donc, aucune position dogmatique sur ce point. En revanche, ce qui est absolument certain et testé en économétrie, c’est que le respect des règles de gouvernance est une des variables explicatives principales de la bonne gestion bancaire. Pour revenir à la question de façon plus directe : si une ou plusieurs banques publiques sont vendues à des partenaires financiers et stratégiques sérieux avec un cahier des charges reflétant une vraie vision à moyen terme, un effet d’électrochoc devrait se ressentir au niveau du système bancaire, car du jour au lendemain, une banque majeure va se retrouver avec une part de marché de 15% qui est celle de l’ensemble des banques privées aujourd’hui. C’est donc certainement un win-win, à condition de bien baliser la feuille de route et choisir le partenaire sur des critères exclusivement objectifs.
La gouvernance des banques publiques est également décriée par les observateurs. Quels sont selon vous les problèmes de gouvernance les plus critiques ?
Ce point est probablement le plus important, car il a un caractère transversal. Pour vous montrer son poids dans la réussite des réformes bancaires, je dirais que s’il ne devait y avoir qu’une seule mesure à prendre, je choisirais celle-ci sans la moindre hésitation, car elle englobe implicitement tout le reste. En effet, si les gestionnaires d’une banque étaient choisis uniquement sur leurs compétences et qu’ils rendent compte à un conseil d’administration dont l’unique objectif est la performance financière et économique de la banque et qu’il rende lui-même compte à une assemblée générale dont le seul but est de maximiser la valeur de l’action, il n’y a plus de place pour l’échec. Il y a bien entendu des préalables pour atteindre cela en termes de formation, dichotomie entre le conseil d’administration, les actionnaires et les gestionnaires, gestion par objectifs, système d’évaluation, fonctionnement du marché financier (capitalisation, liquidité et mode de cotation)… Mais il faut commencer immédiatement par cela.
L’interview complète est disponible sur le site www.nabni.org
(*) Raif Mokretar-Karroubi est banking specialist à la Société financière internationale (Groupe Banque mondiale) et professeur en finance dans plusieurs universités et grandes écoles.