{"id":554,"date":"2023-05-02T16:45:10","date_gmt":"2023-05-02T23:45:10","guid":{"rendered":"http:\/\/facultas-risk.com\/?p=554"},"modified":"2023-12-18T07:42:43","modified_gmt":"2023-12-18T14:42:43","slug":"risks-increased-interest-rates","status":"publish","type":"post","link":"https:\/\/facultas-risk.com\/fr\/2023\/05\/02\/risks-increased-interest-rates\/","title":{"rendered":"CRO series #2 &#8211; Risks from the increase in interest rates"},"content":{"rendered":"<p>Pour les Chief Risk Officers (CRO) du secteur bancaire, naviguer dans le paysage \u00e9conomique actuel n'est pas une mince affaire. L'augmentation r\u00e9cente, rapide et brutale, des taux d'int\u00e9r\u00eat ne fait qu'ajouter \u00e0 leurs inqui\u00e9tudes. Bienvenue dans l'article n\u00b02 de la s\u00e9rie consacr\u00e9e aux Chief Risk Officers.<br>&nbsp;<br>\u25aa La r\u00e9cente augmentation des taux d'int\u00e9r\u00eat \u00e9tait une mesure n\u00e9cessaire pour lutter contre l'inflation. Cependant, comme tout m\u00e9dicament, elle a eu des effets secondaires inattendus. L'une des cons\u00e9quences les plus importantes a \u00e9t\u00e9 l'augmentation des pertes non r\u00e9alis\u00e9es sur les titres \u00e0 revenu fixe d\u00e9tenus par les banques dans leurs bilans. Tant que ces pertes restent latentes, elles sont inoffensives. Cependant, l'utilisation de ces titres pour financer des sorties de fonds peut poser probl\u00e8me, car cela signifie que les banques r\u00e9aliseront une perte lors de la vente. Les charg\u00e9s de client\u00e8le ont donc recours \u00e0 la discipline s\u00e9culaire de la gestion actif-passif et collaborent avec leur comit\u00e9 actif-passif (ALCO) pour g\u00e9rer efficacement ces risques d'inad\u00e9quation entre l'actif et le passif.<br>&nbsp;<br>Enfin, une augmentation des taux d'int\u00e9r\u00eat rend le service de la dette plus co\u00fbteux pour les emprunteurs. Par cons\u00e9quent, les Client Relationship Officers se concentrent actuellement sur le suivi des performances des portefeuilles de pr\u00eats afin de d\u00e9tecter les signes de d\u00e9t\u00e9rioration. Ils peuvent soumettre les portefeuilles de pr\u00eats \u00e0 des tests de r\u00e9sistance, revoir les normes de souscription et s'assurer que les portefeuilles de pr\u00eats sont bien diversifi\u00e9s entre les diff\u00e9rents secteurs et les diff\u00e9rentes zones g\u00e9ographiques.<br>&nbsp;<br>Restez \u00e0 l'aff\u00fbt pour l'article n\u00b0 3 de la s\u00e9rie CRO, dans lequel nous aborderons une autre pr\u00e9occupation majeure des CRO du secteur financier.<br>&nbsp;<br><a href=\"https:\/\/www.linkedin.com\/company\/facultas-risk-consulting\/\">Facultas-Risques Services Conseils Inc.<\/a><br><a href=\"https:\/\/www.linkedin.com\/feed\/hashtag\/?keywords=banks&amp;highlightedUpdateUrns=urn%3Ali%3Aactivity%3A7059266749317177344\">#banks<\/a>&nbsp;<a href=\"https:\/\/www.linkedin.com\/feed\/hashtag\/?keywords=interestrates&amp;highlightedUpdateUrns=urn%3Ali%3Aactivity%3A7059266749317177344\">#interestrates<\/a>&nbsp;<a href=\"https:\/\/www.linkedin.com\/feed\/hashtag\/?keywords=riskmanagement&amp;highlightedUpdateUrns=urn%3Ali%3Aactivity%3A7059266749317177344\">du risque des mod\u00e8les<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>For Chief Risk Officers (CRO) in the banking sector, navigating the current economic landscape is no easy feat. The recent rapid and steep increase in interest rates have added to their concerns. Welcome to post #2 of the CRO series.&nbsp;\u25aa The recent increase in interest rates was a necessary measure to combat inflation. However, like<\/p>","protected":false},"author":1,"featured_media":556,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,504,508],"tags":[],"class_list":["post-554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cro-series-2","category-cro-series","category-risk-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CRO series #2 - Risks from the increase in interest rates - Facultas Risk<\/title>\n<meta name=\"description\" content=\"Learn about the risks of the rapid increase in interest rates and the steps CRO&#039;s should take to mitigate them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/facultas-risk.com\/fr\/2023\/05\/02\/risks-increased-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CRO series #2 - Risks from the increase in interest rates - Facultas Risk\" \/>\n<meta property=\"og:description\" content=\"Learn about the risks of the rapid increase in interest rates and the steps CRO&#039;s should take to mitigate them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/facultas-risk.com\/fr\/2023\/05\/02\/risks-increased-interest-rates\/\" \/>\n<meta property=\"og:site_name\" content=\"Facultas Risk\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-02T23:45:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-18T14:42:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/facultas-risk.com\/wp-content\/uploads\/2023\/05\/image-4.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Hind Abdo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hind Abdo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/facultas-risk.com\\\/2023\\\/05\\\/02\\\/risks-increased-interest-rates\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/facultas-risk.com\\\/2023\\\/05\\\/02\\\/risks-increased-interest-rates\\\/\"},\"author\":{\"name\":\"Hind Abdo\",\"@id\":\"https:\\\/\\\/facultas-risk.com\\\/#\\\/schema\\\/person\\\/4f2ebdc40a487ac9faf11d2f51b6668c\"},\"headline\":\"CRO series #2 &#8211; 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